Life Insurance

Over one hundred years ago, Protective Life Insurance Company was built upon a belief in hard work and integrity.  Since 1907, Protective Life has remained true to its core beliefs:  quality, serving people, and growth.  This unwavering commitment to treating people the way we would like to be treated has been rewarded with stable, long-term relationships and growth.

When you consider purchasing a life insurance policy, you need to know it is backed by a strong, stable company that will meet its obligations. You want the peace of mind that comes from working with a company with strong principals.

Protective Life offers both Universal Life and Term Insurance. Protective has an insurer financial strength rating of A+ (Superior, 22nd highest of 15 ratings) from A. M. Best.

A.M. Best is an independent rating organization that has assigned its financial strength rating based on a variety of factors, including Protective's operating performance, asset quality, financial flexibility, and capitalization.

Term Life

When you buy term life insurance, you do exactly as the name implies: you buy it for a certain period of time, typically 10, 15, 20 or 30 years.  During this period, you pay the premium and have the protection.  When the period expires you can possibly renew, or convert your policy but your premium will go up, or you might not be insurable at that point.  Since you are paying for protection only and not accumulating any cash value the policy could possibly just end.

FEATURES OF PROTECTIVE'S TERM LIFE

• Competitive Rates
• Terminal Illness / Accelerated Death Benefit
• Variety of riders available at additional cost

Coverage is subject to premium payment.  The amount of premium and any charges determine if the lapse protection is in effect.  Loans, partial surrenders, policy changes, and delinquent premium payments will affect the length of the protection.  Lapse protection does not apply to policy value.  Consult policies for benefits, riders, limitations, and exclusions.  Policy features and riders vary by states and may not be available in all states.  Some products may not be available by payroll deduction, please request information as to what is available.

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