How Much Does Life Insurance By Protective Cost?



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Man and a woman driving in a convertible in the woods with no worries about their life insurance.

Summary:

All sample quotes and policy detail information was taken from the Protective Life website.  Your actual results will vary and depend on your age, your health as well as other lifestyle and underwriting factors.   You must complete an application, the underwriting process, and be approved by Protective Life BEFORE you will know what your exact cost will be.

Make sure you check out our full review Protective Life Insurance Review - Pros & Cons - Frequently Asked Questions and get all the company & policy details.

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Protective Term Life Insurance PRICING AND FEES

The pricing on Protective term life insurance is excellent compared to the competition.  There is not additional fees for a apply 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 has low cost term life insurance for all age ranges and 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

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


Shortcut:  Our #1 choice for life insurance with health issues is Health IQ.  If you have any history of heart disease, diabetes, cancer, stroke, or obesity, click here for a free quote.

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Protective TERM LIFE INSURANCE PROS

  • Very competitive prices! Always in the Top 5 compared to other leading carriers.

CONS OF Protective TERM LIFE INSURANCE

  • Most likely will have to take a medical exam when you apply.
  • May take up to 6 weeks to get approved.

Protective Term Life Insurance SAMPLE MONTHLY QUOTES

Quotes assume the best possible underwriting class.  Actual prices may be different.  

Click here to get your personalized quote

Protective Classic Choice Term Life Insurance

Monthly Term Life Insurance Quotes - Male Age 35

Header

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

Header

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

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Protective Classic Choice Term Life Insurance

Monthly Term Life Insurance Quotes - Male Age 45

Header

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

Header

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

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Protective Classic Choice Term Life Insurance

Monthly Term Life Insurance Quotes - Male Age 55

Header

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

Header

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.  Click here if you would like a quote or policy information on guaranteed issue whole life insurance.


Do you hate doctors but want life insurance? 

No problem with no-exam life insurance from Ladder Life! 


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.

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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


  • Skip the Needles!

    Want to take the "pain" out of life insurance?  We don't blame you!  Ladder Life Insurance is our #1 recommended no-exam company offering 10, 20, and 30 year plans up to age 60.  See if you qualify for "no exam" today.

    Quotes are quick, easy, and free! 


    Get a Quote from Our Best Priced Company

    Protective UNIVERSAL LIFE INSURANCE PROS

    • Excellent prices.  Usually in the TOP 5 when compared to other leading carriers.

    CONS OF Protective UNIVERSAL LIFE INSURANCE

    • Fully underwritten policy. Medical exam will be required.   
    • May take up to 6 weeks to get approved.
    Man and woman dressed up for a night on the town

    Protective Universal life SAMPLE MONTHLY QUOTES

    Sample quotes assume the best possible underwriting class.  Your actual prices may be different.

     Click here to get your personalized quote

    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

    Get a Quote from Our Best Priced Company

    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

    SUMMARY

    If you are in the market for term or guaranteed universal life insurance, make sure you take a look at Protective Life.  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 any experience with Protective Life?  Is so, we would love to hear about it.  Please leave a comment below.


    Written by:  Chris Lalor

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