Protect what matters most with us

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Protecting your clients through life’s many moments

Protecting the moments that shape someone’s life starts with understanding individual needs and finding solutions that meet their goals. We’re here to provide financial professionals the service and support to deliver our solutions with confidence.

Explore our protection solution types

Protective's range of life insurance solutions means you have the options you need to help meet clients' specific protection requirements.

Term life

Offer clients affordable, straightforward protection with level premiums for a set period of time.

Universal life

Provide lifetime protection with predictable premiums and flexible features so clients can choose how to protect their goals.

Variable universal life

Consider this solution for clients who want lifetime coverage with strong cash value accumulation potential and are comfortable with more risk.

Featured solutions

Financial professional discussing life insurance and protection solutions with clients.

Protective%%®%% Classic Choice℠ term life

Support your clients with straightforward, affordable protection for up to 30 years.

Market-leading term pricing with fast approvals
Streamlined policy placement with accelerated underwriting

Financial professional explaining the basics of life insurance to clients.

Protective%%®%% Lifetime Assurance℠ universal life

Meet your clients’ needs with a simple, predictable solution that offers flexibility and customizable options.

Competitive guaranteed UL pricing
Customizable guarantee lengths up to age 121
Supports multiple case designs (short‑pays, single pays, 1035 exchanges and flexible premiums)

A financial professional using a tablet to see how to submit life insurance business with Protective.

Protective%%®%% Strategic Objectives℠ II variable universal life

Offer your clients protection benefits plus unrestricted growth potential to meet their long-term goals.

World-class investment portfolio with a full fund lineup
Flexibility to build a protection or accumulation strategy:
- Protection: Guaranteed death benefit up to age 121 with Extended No-Lapse Guarantee Rider
- Accumulation: Non-guaranteed death benefit options without the cost of a long-term no-lapse

Here's how we can help you protect more people

We're committed to helping financial professionals like you connect more people to the protection they deserve. Explore our dependable solutions and access dedicated support to accelerate your business.

Streamlined underwriting

3 underwriting paths give you flexibility to choose the right approach for each case, helping protect clients faster and provide clarity about what to expect.

Learn about the underwriting process

Accessible support

We’re here whenever you need us. Tell us what you need and how we can support your business.

Stability you can count on

For more than 115 years, we've been a values-driven company that provides dependable solutions you can count on.

Learn about us

Start a life insurance conversation

There are a lot of ways to introduce the need for life insurance and protection solutions. We have talking points and sales ideas on a variety of topics that can support your goals-based conversations and help you grow your business.

Support client conversations