About Protective Life Insurance Company

801 Highway 280 South
Birmingham, AL 94104 35223
Phone:  800-866-3555
Company Website: www.protective.com

Protective Life Corporation provides innovative insurance solutions and investment products designed to help clients achieve and maintain financial security. Since the formation of their first subsidiary over 100 years ago, they have remained true to their core values of quality, serving people and growth. By treating people the way they would like to be treated, the company has been rewarded with stable, successful, long-term relationships with customers and advisors alike.

Protective makes certain that they can accommodate the protective and financial needs of all of their customers and prospective customers by offering a comprehensive portfolio of life insurance and financial products.

At Protective, individuals and families will find essential financial solutions at very competitive rates combined with outstanding customer service.

 The Protective Advantage

Protective draws on more than a century’s worth of experience to develop competitive products and operational platforms that provide excellent customer value. Their strong commitment to the development of forward-thinking, innovative solutions to meet customers’ needs and the delivery of a superior customer experience distinguish Protective as one of the leading life insurance and annuity carriers in the nation.

Protective is currently distributing their insurance and financial products through a selection of highly-rated subsidiary companies and experienced and reputable independent insurance and financial professionals:


Protective Life and Annuity Insurance Company Provides life and annuity products to our valued clients in New York.
West Coast Life West Coast Life provides life and annuities to clients across the U.S. Acquired in 1996.
MONY Life Insurance Company Acquired in 2013, MONY is a national provider of life insurance products.
Protective Property & Casualty Insurance Company Protective P&C markets specialty products such as vehicle service contracts, GAP Insurance, credit life insurance, and disability insurance.
United States Warranty Corp. This subsidiary acquired in 2016, markets a selection of specialty insurance products including vehicle warranty contracts.

Protective’s Financial Stability

a.m. best

Protective Life Insurance Company www.protective.com carries high ratings from independent rating organizations that assign ratings measuring financial strength or claims-paying abilities.

They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. Protective Life Insurance Company has insurer financial strength ratings of:


Company A.M. Best Standard & Poor’s Fitch Moody’s
Protective Life Insurance Company A+ AA- A+ A1
West Coast Life Insurance Company A+ AA- A+ A1
MONY Life Insurance Company A+ A+ A+ A1
Protective Life and Annuity Insurance Company A+ AA- A+
Protective Property & Casualty Insurance Company A


Life Insurance from Protective Life Insurance Company

Whether you are looking for a large Term policy with super-affordable rates or permanent life insurance that includes a cash-value component, Protective Life has a complete portfolio of life insurance products to offer.


Protective® Classic Choice Term

The Protective Classic Choice Term product is a great solution for individuals and families looking to replace the income of a breadwinner. With low-cost term insurance, applicants can apply for substantial face amounts with policy terms of up to 30 years.

Classic Choice Term policies are convertible and the company offers various riders that can broaden your coverage and provide living benefits for the insured.

 Here are actual rates for a $500,000 20-year term policy for a male and female non-smoker with very good health: 


Age Group Male Non-Smoker Female Non-Smoker
25 $19.08 $16.49
30 $19.50 $16.69
35 $21.25 $18.23
40 $29.09 $25.07
45 $47.70 $37.46
50 $71.91 $54.82

For an accurate quote for your actual age, please fill out the instant quote form on the right side of this page.


Custom Choice Universal Life Insurance

Universal life insurance is the best solution for applicants who want guaranteed insurance protection that also includes the the following:

Flexible premiums and death benefit
Lifetime death benefit for loved ones
Cash value that's guaranteed to earn interest
Access to cash value account via policy loans
Additionally, we have found that the Custom Choice UL can be a great alternative to term insurance. We especially like this product because at the end of the term (intended policy period), the premium remains level while the death benefit decreases. This is sometimes a better option for those policyholders who don’t need a large death benefit at the end of the initial term.


Indexed Universal Life Insurance

With Indexed Universal Life (IUL) a policyholder earns interest based on the performance of market indices they select to have the cash account linked to. Unlike variable life insurance products, your cash remains protected from the impact of downside risk.


Variable Universal Life Insurance

Variable universal life is similar to traditional and indexed universal life but can earn significantly more interest because of a higher risk for the policyholder.


Survivorship Universal Life Insurance

Survivorship life insurance policies are designed to cover two partners under one policy and are typically used to help pay the estate taxes and various other expenses of the beneficiary. Survivorship life insurance is also referred to as second-to-die life insurance.


Whole Life Insurance

Whole life insurance is considered the foundation of the life insurance industry since it has been available to hard-working Americans for hundreds of years. It provides a guaranteed lifetime death benefit and accumulates cash value that can be accessed by the policyholder.

Whole life insurance policies provide several guaranteed benefits like level premium payments, a guaranteed death benefit, guaranteed cash accumulation, tax-deferred earnings, and a fixed interest rate specified in the policy contract.


Child Life Insurance

Having permanent whole life insurance is an essential way to start a child or grandchild on a path to financial benefits that can be accessed in the future. Protective’s Protect My Child® whole life insurance policy can set the foundation for your child or grandchild’s needs in the future.

Money for college tuition and other expenses
Help with a down payment on a new home
Help to pay for a wedding or new car
If collateral is needed for a loan


It’s also important that all life insurance products from Protective Life Insurance Company come with various optional riders that will allow the policyholder to broaden their coverage and take advantage of living benefits.


The Bottom Line

Most independent insurance agencies are excited to represent a company as solid and well-known as Protective Life Insurance Company. Although Protective will not be the best fit for every prospective client, they are typically a go-to insurance carrier for many of our valued clients and prospective clients.


Speak with a Professional
For more information about Protective Life Insurance Company or if you have other questions, call the insurance professionals at LifeInsure.com at
(866) 691-0100 during normal business hours or contact us through our website.



speak with a Professional

For more information, call an insurance professional at LifeInsure.com (866) 868-0099 during normal business hours or contact us through our website.

Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. Please feel free to contact me at your convenience.