Protective Life provides innovative insurance solutions and investment products designed to help clients achieve and maintain financial security. Since the formation of our first subsidiary over 100 years ago, we have remained true to our core values of quality, serving people and growth. By treating people the way we would like to be treated, our Company has been rewarded with stable, successful, long-term relationships with customers and advisors alike.
At Protective, we draw on more than a century's worth of experience to develop competitive products and operational platforms that provide excellent customer value. Our strong commitment to the development of forward-thinking, innovative solutions to meet customers' needs and the delivery of a superior customer experience distinguish Protective as one of the leading life insurance and annuity carriers in the nation.
Our Company's mission and values are reflected in our core belief that "Doing the right thing is smart business®." This is the principle that guides us in all we do. Enduring commitment to our core values combined with modern sensibilities, a solutions-based philosophy and smart, competitive life insurance and annuities products have allowed Protective to remain a leader in our industry for more than 100 years.
Protective Life Insurance Company is licensed in all states except NY.
Protective Life carries high ratings from independent rating organizations who assign ratings measuring financial strength or claims-paying abilities. They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization.
Protective Life has insurer financial strength ratings of:
These ratings are current as of December 31, 2014. For more current information, please visit www.protective.com.
Term life insurance is the most affordable way to protect your family's financial security if something happens to you.
Men and women in excellent health in their mid 30s and 40s can buy $100,000+ of term life insurance for under a dollar a day.
You can buy term life insurance for 10, 15, 20, or 30 years — however long you need it.
In most cases, term life insurance proceeds are tax-free. Consult with your tax advisor if you have any questions.
Term life insurance is the most affordable — and flexible — Life insurance product available. Why? Because term life insurance provides a specific death benefit amount for a duration — or term — chosen by the policyholder. Once a 10-, 15-, 20-, or 30-year term is selected, the coverage and premium amounts remain the same for the life of the policy. So rather than paying a monthly premium for the rest of your life, you can simply buy coverage for however long you need it — usually until your children are grown and out of the house.
Life insurance is a personal affair. Standard formulas such as buying coverage equal to eight, nine or ten times your annual income are inadequate shortcuts. Online calculators can provide a general guide, but it doesn't make sense to say that someone with four young children should have the same amount of coverage as empty nesters with no mortgage and a substantial retirement fund. Other items to consider:
The time factor. Figure out how many years you'll need to be covered.
Final expenses. Determine the total cost of your funeral, burial and related expenses.
Mortgages and other debts. Tally your mortgage balance, car loans, student loans, and any other major expenses.
Education expenses. This calculation can be tricky because you need to consider the cost of a college education at the time your kids will enroll, as opposed to what it would cost today. Hint: It will be more expensive.
Income replacement. Once you cover funeral expenses, debts and education, you need to determine the amount of income required for your family members to sustain their current lifestyle.
A conversation with an experienced agent can provide the guidance you need.
In 1985, SelectQuote pioneered the direct marketing of term life insurance — providing unbiased price comparisons of your best rates from highly-rated term life insurance companies.
Your personal SelectQuote agent is dedicated to:
SelectQuote focuses on each client’s individual needs in order to find the policy that suits you best.
SelectQuote is America’s #1 Term life sales agency.