Protective Classic Choice

Protective%%®%% Classic Choice term

We've maximized the value a term solution can offer customers to help them secure what matters most. Learn about our straightforward, affordable coverage that comes with "extras" to address more needs.

Why recommend Protective Classic Choice term?

Customers who need traditional term coverage can enjoy these 4 benefits:

Short-term coverage with a flexible conversion option

Customers have the choice to convert to a permanent coverage product if their needs change.

35- and 40-year term periods

We’re one of only 3 carriers that offers coverage beyond traditional term periods of 10 – 30 years.

Low-priced term solution

On average, it’s a top 3 lowest-priced term option more than 90% of the time.¹

Streamlined policy placement

Policies are placed 57% faster when submitted with Protective Velocity (and you get paid faster, too).

Consider this product for a customer who:

Wants simple short-term death benefit coverage
May have a young family and a mortgage or other debts
Interested in longer term periods beyond traditional 30-year offerings
Wants the most coverage for the lowest cost

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Key product specs²

Coverage is available for 10-, 15-, 20-, 25-, 30-, 35- and 40-year periods
Minimum face amount of $100,000
31-day grace period before policy lapse
$65 policy fee

Download full specs

Download NY specs

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Explore all optional and built-in benefits

Optional riders and endorsements allow you to customize a Protective Classic Choice term policy to protect the unique goals of each customer. Our customer-friendly Riders and Endorsements Guide can help you introduce each available benefit.

Download complete guide

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Customize customer's level of protection with a conversion rider

The Conversion Choice^SM rider with ExtendCare^SM provides a simple way for clients to meet their changing needs by allowing them to convert to a broader range of permanent solutions:

within a flexible timeline
without underwriting or medical exam
with the option to add a chronic illness rider to their permanent policy

Download consumer flyer

Help customers choose the right short-term solution for their goals

In addition to term, we also offer a universal life solution that meets similar short-term protection needs. Share this comparison brochure with customers to help them choose the right fit.

Download brochure

Explore UL solution

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Helpful resources on Protective Classic Choice term

We want to help you decide if this short-term life insurance solution is the right fit for customers. Use these resources to learn more about the product and support your conversations.