How Much Does Protective Life Insurance Cost? If you are in the market for either a Term Life or a Guaranteed Universal Life policy, make sure you take a look at Protective. Usually in the Top 5, Protective Life has some of the best prices in the market and should be always be included as an option.
Do you have first-hand experience with Protective Life? We’d like to hear about it! Share your story
Protective has some of the best prices in the market.
All sample quotes and policy detail information, below; are from the Protective Life website.
Your actual costs will vary, as they depend on your age and your health; as well as other lifestyle and underwriting factors.
However, you can get your own personalized Free Instant Quote at your convenience.
Protective Life Insurance Pricing and Fees
The pricing on Protective term life insurance is excellent compared to the competition. There are no additional fees when applying for a life insurance policy with Protective Life.
HOW MUCH DOES PROTECTIVE TERM LIFE INSURANCE COST?
Protective term life insurance is always in the Top 5 when it comes to cost. They offer low cost term life insurance, for all age ranges and coverage amounts.
QUICK VIEW
- Product Name:
Classic Choice Term Life - Minimum Policy Face Amount:
$100,000 - Issue Ages:
10 Year – 18-75
15 year – 18-75 (18-68 for tobacco)
20 year– 18-67 (18-62 for tobacco)
25 Year – 18-57 (18-52 for tobacco)
30 Year – 18-57 (18-40 for tobacco)
35 Year – 18-50 (18-40 for tobacco)
40 Year – 18-45 (18-40 for tobacco) - Level Period:
10, 15, 20, 25, 30, 35, 40 Years
PROTECTIVE TERM LIFE INSURANCE UNDERWRITING CLASSES
- Select Preferred
- Preferred
- Non-Tobacco
- Tobacco
PROTECTIVE TERM LIFE INSURANCE ADDITIONAL RIDERS
- Accidental Death Benefit
- Children’s Term Life Rider
- Terminal Illness Rider
- Wavier of Premium Rider
Term Life Conversion:
- 10 Year Term – Can convert up to year 8
- 15 Year Term – Can convert up to year 13
- 20, 25, 30, 35, & 40 Year Term – Can covert up to year 18
Pros and Cons of Protective Term Life Insurance
Pros
- Very competitive prices!
- Always in the Top 5 compared to other leading carriers.
Cons
- Most likely will have to take a medical exam when you apply.
- May take up to 6 weeks to get approved.
Sample Monthly Quotes for Protective Term Life Insurance
The sample quotes (below) assume the best possible underwriting class. Actual prices may be different. Get your own personalized Free Instant Quote at your convenience.
Protective Classic Choice Term Life Insurance:
Monthly Term Life Insurance Quotes – Male Age 35
| 10 Year | 15 Year | 20 Year | 25 Year | 30 Year | 35 Year | 40 Year | |
|---|---|---|---|---|---|---|---|
| $250,000 | $9.97 | $10.80 | $13.82 | $18.07 | $21.39 | $25.84 | $37.10 |
| $500,000 | $14.26 | $15.99 | $21.68 | $29.15 | $35.25 | $44.48 | $69.51 |
Protective Classic Choice Term Life Insurance:
Monthly Term Life Insurance Quotes – Female Age 35
| 10 Year | 15 Year | 20 Year | 25 Year | 30 Year | 35 Year | 40 Year | |
|---|---|---|---|---|---|---|---|
| $250,000 | $8.93 | $10.60 | $12.47 | $15.94 | $18.43 | $22.12 | $28.61 |
| $500,000 | $13.00 | $15.45 | $18.24 | $24.86 | $29.69 | $37.42 | $52.12 |
Protective Classic Choice Term Life Insurance:
Monthly Term Life Insurance Quotes – Male Age 45
| 10 Year | 15 Year | 20 Year | 25 Year | 30 Year | 35 Year | 40 Year | |
|---|---|---|---|---|---|---|---|
| $250,000 | $17.19 | $21.47 | $26.43 | $37.62 | $42.89 | $56.39 | $95.95 |
| $500,000 | $28.15 | $36.00 | $46.44 | $66.14 | $79.39 | $98.14 | $186.80 |
Protective Classic Choice Term Life Insurance:
Monthly Term Life Insurance Quotes – Female Age 45
| 10 Year | 15 Year | 20 Year | 25 Year | 30 Year | 35 Year | 40 Year | |
|---|---|---|---|---|---|---|---|
| $250,000 | $15.30 | $17.88 | $21.33 | $29.54 | $33.51 | $46.59 | $76.81 |
| $500,000 | $24.23 | $28.48 | $37.41 | $50.57 | $61.32 | $76.51 | $145.09 |
Protective Classic Choice Term Life Insurance:
Monthly Term Life Insurance Quotes – Male Age 55
| 10 Year | 15 Year | 20 Year | 25 Year | 30 Year | 35 Year | 40 Year | |
|---|---|---|---|---|---|---|---|
| $250,000 | $37.49 | $46.79 | $61.26 | $100.30 | $122.74 | N/A | N/A |
| $500,000 | $67.58 | $85.36 | $114.74 | $187.73 | $232.24 | N/A | N/A |
Protective Classic Choice Term Life Insurance:
Monthly Term Life Insurance Quotes – Female Age 55
| 10 Year | 15 Year | 20 Year | 25 Year | 30 Year | 35 Year | 40 Year | |
|---|---|---|---|---|---|---|---|
| $250,000 | $28.22 | $32.86 | $45.39 | $76.65 | $91.55 | N/A | N/A |
| $500,000 | $50.06 | $59.35 | $84.40 | $134.84 | $176.50 | N/A | N/A |
WHAT IS THE COST OF PROTECTIVE GUARANTEED ISSUE WHOLE LIFE INSURANCE?
Protective Life does NOT sell guaranteed issue whole life insurance.
WHAT IS THE PRICE FOR PROTECTIVE UNIVERSAL LIFE INSURANCE?
The price for Protective universal life insurance is very competitive compared the the competition. They are generally in the Top 5 compared to other leading carriers.
QUICK VIEW
- Product Name: Advantage Choice Universal Life
- Minimum Policy Face Amount: $50,000 – Non-Tobacco & Tobacco health class only | $100,000 – All health classes
- Issue Ages: 18 to 90
- Level Period: Lifetime Coverage
PROTECTIVE UNIVERSAL LIFE UNDERWRITING CLASSES
- Select Preferred
- Preferred
- Non-Tobacco
- Tobacco
PROTECTIVE UNIVERSAL LIFE ADDITIONAL RIDERS
- Accidental Death Benefit
- Children’s Term Life Rider
- Terminal Illness Rider
- Wavier of Premium Rider
- Extended Care Rider
Pros and Cons of Protective Universal Life Insurance
Pros
- Excellent prices.
- Usually in the TOP 5 when compared to other leading carriers.
Cons
- Fully underwritten policy. Medical exam will be required.
- May take up to 6 weeks to get approved.
Sample Monthly Quotes for Protective Universal Life Insurance
The sample quotes (below) assume the best possible underwriting class. Actual prices may be different. Get your own personalized Free Instant Quote at your convenience.
Protective Advantage Choice Guaranteed Universal Life:
Sample Monthly Quotes $250,000 – Male
| $250,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| Guaranteed To Age 100 | $122.79 | $167.79 | $272.54 |
| Guaranteed To Age 121 | $142.69 | $199.12 | $326.56 |
Protective Advantage Choice Guaranteed Universal Life:
Sample Monthly Quotes $250,000 – Female
| $250,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| Guaranteed To Age 100 | $104.96 | $137.27 | $222.73 |
| Guaranteed To Age 121 | $128.00 | $173.19 | $284.11 |
Protective Advantage Choice Guaranteed Universal Life:
Sample Monthly Quotes $500,000 – Male
| $500,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| Guaranteed To Age 100 | $245.58 | $335.58 | $545.05 |
| Guaranteed To Age 121 | $285.34 | $398.22 | $653.08 |
Protective Advantage Choice Guaranteed Universal Life:
Sample Monthly Quotes $500,000 – Female
| $500,000 | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| Guaranteed To Age 100 | $209.89 | $274.52 | $445.44 |
| Guaranteed To Age 121 | $257.68 | $346.34 | $568.21 |
Do you have first-hand experience with Protective Life? Whether it was positive or negative, we’d like to hear about it…
Share your story!
The Bottom Line
Protective Life Insurance Company is a “must-shop”, if you are in the market for a term life insurance or guaranteed universal life insurance policy. The company is financially stable and highly rated. Their prices are outstanding and the underwriting is not as stringent as other carriers, if you are in average health or have minor health impairments. With term life insurance policies up to 40 years, guaranteed universal life up to age 121, and coverage up to $50 Million, Protective Life should be included in your life insurance comparisons.
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