Life Insurance

0 Fin Prof Life Ins Small

The Protective family of companies offers a variety of innovative, value-added, competitively-priced life insurance products designed to help individuals and families secure their futures. We build enduring relationships with each client, using our customizable insurance solutions to respond to their unique needs through every stage of life.

Backed by flexible premium options, lifetime guarantees, attractive supplemental benefits and exemplary customer service, our broad portfolio of life insurance products can play a vital role in family income protection, wealth preservation and estate planning. Our proven products can also help you increase sales and enhance customer satisfaction, now and in the future.

Term and Alternative to Term

Our customizable fixed-term solutions offer clients an affordable alternative to permanent life insurance options.

Provide pure death benefit protection for a specific period of time
Increased personal choice
Affordable initial-level premiums
Comprehensive coverage, with variety of option benefits and riders

Universal Life

We provide a variety of affordable, flexible and innovative Universal Life Insurance options to meet each client’s unique long-term needs.

Potential for cash-value accumulation
Access to policy value
Flexible premiums
Adjustable death benefit
Lapse protection available
Optional endorsements and riders available

Survivorship Life

Also commonly referred to as Joint Survivorship or Second-to-Die life insurance, this policy option can be an effective tool in meeting your clients’ estate planning needs.

Insures the lives of two people, typically a husband and wife
Death benefit paid at death of second insured
May be more affordable than purchasing two separate policies

Whole Life

Our innovative, comprehensive Whole Life Insurance products offer permanent protection for your clients’ long-term insurance and financial goals.

Single-premium product available
Ideal for wealth preservation and asset accumulation
Provides access to policy value
Non-participating products may be available for conversions
Offers tax-deferred cash value growth

Single Premium Variable Life

We offer this unique, flexible tool specifically for clients looking to plan for and protect long-term financial needs, such as wealth transfer and estate considerations.

Combines death benefit protection with long-term investment potential
50+ investment options from some of the world’s foremost and respected fund companies
Model portfolios designed by the experts
Optional lapse protection and long-term care riders

Variable Universal Life

Our unique, customizable Variable Universal Life insurance solutions combine comprehensive lifetime coverage with long-term investment potential.

Valuable tool for both personal and business use
50+ investment options from some of the world’s foremost and respected fund companies
Model portfolios designed by the experts
Lapse protection available
Variety of optional supplemental benefits and riders available