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Protective%%®%% Classic Choice term for affordable, short-term coverage

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 death benefit coverage
It offers essential protection that’s easy for customers to understand and easy for you to sell.
No Alt
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 and expedited underwriting
Place policies with Protective Velocity, our convenient suite of digital solutions.

Product snapshot

Get a quick profile of Protective Classic Choice term and its straightforward, affordable design.

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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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 comparison brochure
Explore universal life solution

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.
The cover of the Protective Classic Choice term product guide.
Introduce customers to Protective Classic Choice term
Download product guide
The cover of the Protective Classic Choice term at-a-glance flyer
Review essential details about our term solution
Download at-a-glance
The cover of the Protective Classic Choice term New York at-a-glance flyer.
Review essential details about the New York version of the product
Download New York at-a-glance

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We’re here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. 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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Welcome to Protective

Before entering the site, please confirm that you are currently licensed to sell life insurance and/or annuities.

1

¹ Rankings current as of October 2021. Based on comparison of Protective Classic Choice Term monthly premiums against 23 carriers, at quinquennial ages for three Non-Tobacco underwriting classes at durations of 10, 15, 20, 25 and 30 years.
² Specifications are for the standard product and are different from the New York version of the product. Reference the NY specs for these details.
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