Protective Life Insurance Company is consistently ranked among the most price-competitive term life insurers in the country. Founded in 1907 and headquartered in Birmingham, Alabama, Protective is a subsidiary of Dai-ichi Life Insurance Company of Japan (acquired 2015). They offer outstanding value, particularly for longer-duration term policies.
AM Best Rating: A+ (Superior)
Protective carries an A+ (Superior) rating from AM Best — the second-highest rating available — reflecting outstanding financial strength and a long history of paying claims.
Term Life Insurance
Protective Classic Choice Term is available in 10, 15, 20, 25, 30, 35, and 40-year durations. Along with Banner Life, Protective is one of only two carriers offering a 40-year term policy.
Extended Conversion Options
Protective allows term-to-permanent conversion often up to age 70, one of the longest conversion windows in the industry. This makes Protective an excellent choice for buyers who want future flexibility.
Permanent Life Insurance
Protective offers guaranteed universal life (GUL), indexed universal life, and whole life products. Their GUL is well-regarded for low-cost lifetime death benefit guarantees.
West Coast Life Legacy
Protective acquired West Coast Life Insurance Company and has absorbed its policies. If you have a West Coast Life policy, it is now serviced by Protective.
Best For
Price-competitive term buyers, buyers who may want to convert to permanent coverage later, and clients looking for a 35 or 40-year term duration.
Get a Protective Life Insurance Quote
Call us at 1-888-972-0024 or contact us to get a personalized quote. We compare rates across all major carriers at no cost to you.