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Protective%%®%% Classic Choice term

We’ve maximized the value a term solution can offer clients to help them secure what matters most. Learn about our straightforward, affordable coverage, and our digital tools to help streamline the underwriting process.

Why recommend Protective Classic Choice term?

Your clients who need traditional term coverage can enjoy these 4 benefits:
Short-term coverage with a flexible conversion option
It offers essential protection that’s easy for clients to understand and easy for you to sell.
Protection for up to 30 years
We offer coverage from 10 to 30 years.
Low priced term solution
Competitively priced for protection that fits in more budgets.
Faster underwriting and policy placement
Protective Velocity streamlines underwriting for policies up to $1 million, improving placement time by up to 40 days for faster approvals.

Product snapshot

Get a quick profile of Protective Classic Choice term and its straightforward, affordable design.

Consider this product for a client who:

  • Wants simple short-term death benefit coverage
  • May have a young family and a mortgage or other debts
  • Is interested in term periods up to 30 years
  • Wants the most coverage for the lowest cost
A couple and their young son painting a baby's room

Key product specs*

  • Coverage is available for 10-, 15-, 20-, 25-, 30-year periods
  • Minimum face amount of $100,000
  • 31-day grace period before policy lapse
Download specs
Download NY specs
A financial professional presenting Protective Classic Choice term life insurance to a client

Helpful resources on Protective Classic Choice term

We want to help you decide if this solution is the right fit for your clients. Use these resources to learn more about the product and support your client conversations.
Protective Classic Choice Term Product Guide
Introduce clients to Protective Classic Choice Term
Download product guide
Cover of Protective Classic Choice term at-a-glance flyer
Review essential details about our term solution
Download at-a-glance
Cover of the Protective Classic Choice term New York at-a-glance flyer
Review essential details about the New York version of the product
Download New York at-a-glance
The cover of the Protective blended strategy solution brochure.
Tailor coverage by pairing term with permanent protection
Download blended strategy guide

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We’re here for you

We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
Contact us

Welcome to Protective

Before entering the site, please confirm that you are currently an authorized financial professional.

Protective Classic Choice (TL-21) is a term life insurance policy issued by Protective Life Insurance Company in all states except New York where it is issued under form (TL-21-NY) by Protective Life and Annuity Insurance Company.

*Specifications are for the standard product and are different from the New York version of the product. Reference the NY specs for these details.

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