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Our latest reprice of Protective%%®%% Classic Choice term
August 11, 2025
We've lowered our Protective® Classic Choice term prices once again. As part of our commitment to lead the way with term life insurance, we’re delivering more value and faster turnaround times with Protective Velocity.

We believe products should be easy to understand and easier to recommend. That's why we continue to improve our term product to maximize its value for clients everywhere:

  • Our lower prices put us in the #1 spot 93%1 of the time in monthly and 91%1 of the time in annual premium scenarios. (Please note, iGo defaults to annual premium quotes. Be sure to change to monthly premium quotes to see Classic Choice term's most competitive rates.)
  • 35- and 40-year term periods make us one of only three carriers in the market to have level term coverage for up to 40 years.
  • We now offer faster term protection for even more people—check out our new underwriting improvements for clients 50 and under who are seeking up to $1 million in coverage.
  • Protective Velocity, our suite of digital solutions, makes submission to commission even faster and easier.

Transition Rules

  • For electronic ticket business: applications must be received on or before September 5, 2025.
  • Any application in Underwriting on August 11, 2025 may choose the version of the product (old or new) but will retain the rates they are initially quoted unless otherwise requested up until the case has been approved.
  • New York does NOT have a rate change, however the plan codes are changing, so they will follow the above rules.

We’re here for you

We’re ready to help you deliver the protection and security customers deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
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1Standings current as of August 11, 2025. Competitive term rate percentages are established through a comparative analysis using term rate data sourced from CompuLife, a registered trademark of Compulife Software, Inc. The scenario comparison includes ages 18 to 80, underwriting classes of Select Preferred, Preferred, and Non-Tobacco, face amounts of $100,000, $250,000, $500,000, and $1,000,000, and term durations of 10, 15, 20, and 30 years. CompuLife is a registered trademark of Compulife Software, Inc.

Protective Classic Choice (TL-21) is a term life insurance policy issued by PLICO, except in New York, where it is issued by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy benefits, riders, limitations, and exclusions. Subject to underwriting. Up to two-year contestable and suicide period. Benefits adjusted for misstatement of age and sex. Classic Choice is a trademark of PLICO.

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