800-538-3767
Available Life Products
Term Life Insurance
Protective offers guaranted term insurance poliices for 10 - 15 - 20 - 25 -30 - 35 and 40 Year Term. Premiums are guaranteed for the life of the term product.
Variable Life Insurance
For those of yu who are more market savy and prefer the ability to build wealth tied to the performance of the market, Protective offers VUL that may suit your needs.
Whole Life Insurance
Protective offers guaranteed cash value, a guaranteed death benefit, and dividends to meet your financial goals.
Universal Life Insurance
Protective offers traditional fexible premium permanent universal life products. Protective offers a Lifetime Guaranteed Universal life policy. These plans are often less expensive than traditional whole life plans and offer you the opportunity to purchase lifetime coverage for a guaranteed premium.
Indexed UNIVERSAL LIFE
Protective offers this flexible unviersal life product that allows you to accumulate wealth within the S&P 500 without the negative risk associated with the market.
No-Exam Options
Protective offers no exam life insurance policies for up to $1 million in coverage
- Between the ages of 18 – 45 you can qualify up to $1 million in coverage
- Between the ages of 46 – 60 you can qualify for up to $500,000 in coverage
- In order to qualify your height/ratio must be within healthy limits
- in order to qualify you must complete a phone interview with a 3rd party exam company
- In order to qualify you must have no major health issues.
Available Riders
ACCIDENTAL DEATH BENEFIT
This rider will pay up to an additional $250,000 if the insured’s death is the result of an accident
CHILDREN'S INSURANCE
When available this rider allows you to purchase coverage for your children up to the age of 18 and the child can convert the policy when they turn 25. Total coverage limit is $25,000
Children's Term Life Rider
When available this rider allows you to purchase coverage for your children up to the age of 18 and the child can convert the policy when they turn 25. Total coverage limit is $25,000
TERMINAL ILLNESS
This rider will allow you to accelerate up to 60% of your death benefit not to exceed $1 million dollars if you are diagnosed with a terminal illness
WAIVER OF PREMIUM
This rider credits the cost of your policy in the event of your Total Disability.
Conversion Options
Protective will allow you to convert your term life insurance policy into any of their available permanent life products up until your age of 70.
Have Questions?
Live Agent Support
Have questions on which carrier to choose or riders that you might need? InsuranceMD agents are available to help answer your questions. Give us a call or text us at 800-538-3767 or you can chat with us by access our live chat option below. Our licensed agents aren’t commissioned so rest assured that our priority is to help you choose the best life insurance option for you. We’re here to help!
Life Insurance Calculator
Purchasing life insurance can be a daunting decision. Our EZ Calculator tool can help you quickly estimate how much life insurance you might need. Want a more custom and comprehensive life insurance evaluation? Our Personalized Life Insurance Calculator gives you the option to get a detailed life insurance assessment based on your current and future needs.