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Leading the way with term life insurance.
Leading the way with term life insurance.
Leading the way with a term life solution designed to help you protect more customers
We make it easier to deliver value to customers with faster processes and flexible features backed by an award-winning carrier you can trust.

Accolades for Protective term life insurance

Forbes Best Term Life Insurance Company%%1%% for 2023, 2024 and 2025 (as of May 20, 2025)
USA Today 5-star rating and named best life insurance%%2%% (as of November 7, 2024)
U.S. News 4.3-star rating and named best for term life%%3%% (as of April 22, 2025)

Built for how you already do business

We’ve designed our term life experience to fit effortlessly into how you work. Our streamlined process removes complexity, accelerates placement and helps you focus on what matters — protecting more customers with ease.
Place policies faster
Our accelerated underwriting can help more customers qualify for faster decisions on policies under a million. Protective Velocity helps reduce cycle times by 57%4 and improve placement rates by 25%.4
Offer greater value
Support more customers with competitive term coverage and built-in flexible features, including our innovative Conversion Choice and Income Provider Option riders.
Lead with us
Join a company with a proven track record of award-winning products, consistently high ratings and a legacy of financial stability.
Financial professional excited to offer Protective Classic Choice term.
How can Protective%%®%% Classic Choice term work for you?
Protective Classic Choice term helps you confidently meet more customer needs and keeps the process simple and efficient for you. Our flexible, affordable coverage can be an ideal next step to bring more value to customers and your business.
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Your success is backed by a legacy of strength

Our award-winning products are a testament to our long-term commitment to the people we serve. Doing business with us means you’ll be supported by a company with recognized strength and a reputation of trust.
Over $1 trillion of life insurance in force
Nearly 17 million customers protected%%5%%

Welcome to Protective

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¹ www.forbes.com/advisor/life-insurance/best-term-life-insurance-companies

² www.usatoday.com/money/blueprint/life-insurance/best-life-insurance-companies

³ www.usnews.com/insurance/life-insurance

4 Based on Protective operations cycle times over a trailing 12-month period, calculated by comparing non-Velocity process path to Velocity path, displayed as a percentage. Data current as of April 2025.

5 Through its subsidiaries, Protective offers life insurance, annuity, asset protection and employee benefit solutions to nearly 17 million people.

Protective Classic Choice is a term life insurance policy issued on on form TL-21 by PLICO in all states except New York. In New York, Protective Choice Term is issued on form TL-21-NY by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. All payments and guarantees are subject to the claims-paying ability of the issuing company.

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