Protective® Classic Choice Term

Protective%%®%% Classic Choice term

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 coverage with a flexible conversion option

Clients 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 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 policy placement

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

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

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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

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A man carrying his granddaughter on his back.

Customize client'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

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.