Protect what matters most with us

A smiling mother, father and their two children.

Protecting your clients through life’s many moments

Protecting the moments that shape someone’s life starts with understanding individual needs and finding solutions that meet their goals. We’re here to provide financial professionals the service and support to deliver our solutions with confidence.

Explore our protection solution types

Whether their priority is to protect their family’s financial future, fund a future goal or leave a legacy, our portfolio of life insurance solutions can meet your clients’ needs.

Term life

Deliver protection that fits clients’ lives and budgets with term life insurance. Discover how our simple solutions can help you offer predictable premiums and tailored coverage.

Universal life

Prepare clients for a lifetime of protection, even when goals change. See how our flexible universal life insurance solutions can help meet clients’ needs now and down the road.

Whole life

Offer permanent protection that fits lower coverage needs. See how our whole life insurance solution puts the right amount of death benefit coverage in place as soon as the policy is placed.

Financial professional explaining the basics of life insurance to clients.

Protective%%®%% Classic Choice℠ term life

Support your clients with straightforward, affordable protection for up to 30 years.

Market-leading term pricing with fast approvals
Customized coverage periods up to 40 years
Enhanced conversion benefits through Conversion Choice Rider

A financial professional using a tablet to see how to submit life insurance business with Protective.

Protective%%®%% Lifetime Assurance℠ universal life

Meet your clients’ needs with a simple, predictable solution that offers flexibility and customizable options.

Competitive guaranteed UL pricing
Customizable guarantee lengths up to age 121
Supports multiple case designs (short pays, single pays, 1035 exchanges and flexible premiums)

Built to help you do business with confidence

Our streamlined underwriting paths and responsive support help you move cases forward and protect more clients.

Streamlined underwriting

3 underwriting paths give you flexibility to choose the right approach for each case, helping protect clients faster and provide clarity about what to expect.

Learn about the underwriting process

Transparent processes

We help you move client cases forward faster with a straightforward process —from illustrations and quoting to submission and delivery.

Explore submitting business

Accessible support

We're here whenever you need us. Tell us what you need and how we can support your business.

Long history of expertise

Count on us to deliver on promises as we have for over 115 years with a variety of solutions and a team of experts passionate about protection.

Learn about us

Resources for life insurance planning

When you’re protecting a client’s financial future, there’s a lot of ground to cover. We’ve developed strategies to support you through these important conversations. These resources can help you better understand each client’s protection needs, offer solutions and support them through life’s changes.

Explore life insurance conversations