• Get a Free Term Life Insurance Quote from Protective

    Rates up to 49% less than other life insurance providers*

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    You’re on your way to protecting your family’s future

    1. Get a quote

    We make it simple for you to get a quote on the life insurance coverage you need.

    2. Fill out an application

    Start the process with our easy online application.

    3. Have a phone call

    Your interviewer will ask you some basic questions about your lifestyle and health history.

    4. Get your free medical exam

    Our medical examiners come to you on your schedule! It takes about half an hour.

    5. Wait for approval

    We make sure the policy is priced appropriately depending on your phone interview and medical exam.

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  • In reference to footnote disclaimer*Savings based on premium comparisons with leading national life insurance carrier term products. Premiums were compared between the Protective Classic Choice Term life policy and the competitors’ term products for a 30-year old male with a $100,000 death benefit, select preferred non-tobacco underwriting class and a 10-year initial guaranteed premium period. Rates are effective as of September 29, 2017 , vary by carrier and are subject to change without notice. Competitor policies may not be available in all states.

    Protective® Classic Choice Term (ICC16-TL21 / TL-21) is a term life insurance policy issued by Protective Life Insurance Company, Birmingham AL. Premiums increase annually after the initial guaranteed premium period. Not available in New York. Policy form numbers, product features and availability may vary by state. Consult policy for benefits, riders, limitations, and exclusions. There are no cash values. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. Any quote that is present is only an estimate and the actual premium and rate class will be determined after the underwriting process is completed. Neither Protective Life nor its representatives offer legal or tax advice. You should consult your attorney or tax advisor regarding your individual situation. The Company cannot increase the premium scale. All payments and all guarantees are subject to the claims paying ability of Protective Life Insurance Company.

  • Need Help? Speak to one of our experts. 1-844-733-5433
  • Why You Can Trust Protective Life Insurance Company

    Your life insurance policy is a promise to those you love that you’ll continue to protect them financially, even after you’re gone. Protective Life Insurance Company has been providing that peace of mind to people like you for over 100 years. And we continue to earn top financial strength and performance ratings from major rating agencies.

    Our financial strength, enduring core values and commitment to our customers are reflected in everything we do and help separate us from other top life insurance companies. Protective is not only our name, it’s our mission. And taking care of our beneficiaries in their time of need is our most essential commitment. We work hard to honor it every day.