Skip to Content
Graphic hero blue
Graphic hero blue

Protective%%®%% Classic Choice term

Help clients maximize the value a term life insurance solution can deliver to secure what matters most. Protective Classic Choice term offers straightforward, affordable coverage with features to address more needs.

Why recommend Protective Classic Choice term?

Your clients who need traditional term coverage can enjoy these 3 benefits:
Short-term coverage with a flexible conversion option
Clients have the choice to convert to a permanent coverage product if their needs change.
No Alt
35- and 40-year term periods
1 of only 3 carriers that offer coverage beyond traditional 10–30 year term periods.
Streamlined policy placement
Policies are placed 57% faster when submitted with Protective Velocity (and you get paid faster, too).

Product snapshot

Get a quick profile of Protective Classic Choice term life insurance 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
  • Interested in longer term periods beyond traditional 30-year offerings
  • Wants the most coverage for the lowest cost
A couple and their young son painting a baby's room.

Key product specs²

  • Coverage is available for 10-, 15-, 20-, 25-, 30-, 35- and 40-year periods
  • Minimum face amount of $100,000
  • 31-day grace period before policy lapse
Download full specs
Download NY specs
An illustration representing a financial professional reviewing life insurance specs.

Choices to create income for loved ones

Available at no cost, our Income Provider Option lets clients decide how the death benefit on their Protective Classic Choice term policy will be paid to beneficiaries.
Explore Income Provider Option
A middle aged couple enjoys a boat ride knowing their wishes are protected with the Income Provider Option.

Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor a Protective Classic Choice term policy to protect the unique goals of every client. Our client-friendly Riders and Endorsements Guide can help you introduce each of the benefits available.
Download complete guide
A mother smiling with her adult daughter.
A man carrying his granddaughter on his back.
Customize client's level of protection with a conversion rider

The Conversion ChoiceSM rider with ExtendCareSM provides a simple way for clients to meet their changing needs by allowing them to convert to a broader range of permanent solutions:

  • within a flexible timeline
  • without underwriting or medical exam
  • with the option to add a chronic illness rider to their permanent policy
Download consumer flyer

Helpful resources on Protective Classic Choice term

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

Other related topics

A grandmother celebrating their granddaughter's birthday, knowing her family is protected with Protective Lifetime Assurance universal life insurance.
Give clients predictable guarantees with Protective%%®%% Lifetime Assurance UL
Learn more
An illustration representing a family protected by life insurance.
Everything you need to submit life business with us
Learn more
A financial professional conducting a life insurance needs check up with a client.
Life policy review to keep up with clients' changing needs
Learn more
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.

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

Protective Classic Choice (TL-21) is a term life insurance policy issued by PLICO in all states except New York where it is issued under form (TL-21-NY) by PLAIC. Policy form numbers, product features, and availability may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. All payments and guarantees are subject to the claims-paying ability of the issuing company.

WEB.3141659.08.24