Protective® Classic Choice Term

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

We’ve maximized the value a term solution can offer clients 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?

Your clients who need traditional term coverage can enjoy these 4 benefits:

Short-term death benefit coverage

It offers essential protection that’s easy for clients to understand and easy for you to sell.

35- and 40-year term periods

We're one of only 3 carriers in the market to have level term coverage for up to 40 years.

Low priced term solution

It's one of the most cost effective short-term solutions available.¹

Streamlined and expedited underwriting

Place policies with Protective Velocity, our convenient suite of digital solutions.

Consider this product for a client 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

A couple and their young son painting a baby's room.

Key product specs%%²%%

Coverage is available for 10-, 15-, 20- 25-, 30-, 35-, and 40-year periods in all states
Minimum face amount: $500,000 for ages 18-65; $100,000 for ages 66+; $250,001 for 35- and 40-year periods and all NY plans
31-day grace period before policy lapse

Download specs

Download NY specs

An illustration representing a financial professional reviewing life insurance specs.

Explore all optional and built-in benefits

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

Download complete guide

A mother smiling with her adult daughter.

A still frame from a video about cross-selling life insurance leads

Ready to sell Protective Classic Choice term?

The first step is to create a sustainable strategy to cross-selling life insurance. Consult our dedicated Prospecting page for resources to help you introduce the topic with clients and identify prospects in your book of business.

Access prospecting resources

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 your clients. Use these resources to learn more about the product and support your client conversations.