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Three people discussing life insurance options.
Three people discussing life insurance options.

Understanding the basics of life insurance

Life insurance is unknown territory for a lot of clients, so starting with the basics is key to your goals-based approach. Use this information to drive clarity and more deeply serve clients.
Life insurance 101
Looking for an easy introduction?  This client-friendly video covers all the essentials of life insurance in a few short minutes.
Video about the basics of life insurance

Common uses for life insurance

Life insurance can provide financial support for your clients' loved ones in so many ways. Consider these valuable applications:

Choosing between term or permanent coverage

Life insurance not only caters to different goals, but also different coverage lengths. Here’s a quick comparison between term and permanent solutions to match up with your clients’ timing needs:

Be on the lookout for these life insurance triggers

If a client mentions any of these life events, it could be a clue that they need new or updated life insurance coverage.

No matter their protection needs, we have you covered.

Explore our product categories to learn more about different types of life insurance and find a solution that best matches your clients’ unique goals.
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Term life
Simple, affordable protection for a specific period of time
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Universal life
Flexible, customizable protection for a lifetime
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Variable universal life
Lifetime protection plus customizable market-linked cash value growth potential
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Other related topics

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Why life insurance protects what matters to your clients
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A financial professional conducting a life insurance needs check up with a client
Life Check Up to assess clients' protection and changing needs
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A bank employee having a pleasant conversation with clients.
Resources to support your client conversations
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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.
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Welcome to Protective

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

*Withdrawals and unpaid loans will reduce the cash value and death benefit of the policy.


Investors should carefully consider the investment objectives, risks, charges and expenses of the applicable variable universal life insurance policy and its underlying investment options before investing. This and other information is contained in the prospectuses for the applicable variable universal life insurance policy and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting Protective at 800-265-1545.


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