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Protective Series Estate Maximizer℠ creates a stronger legacy in 10 minutes or less

Use our easy calculator to find out how much larger your client’s legacy could be with our single premium whole life solution and the Ten Minute Legacy℠.

Why recommend Protective Series Estate Maximizer?

When your clients need an easy way to make the most of their financial legacy, our single premium whole life insurance offers:
Tax-free wealth transfer
Your client's single payment immediately purchases a death benefit that is larger than the single payment. Because it's life insurance, the death benefit passes income tax-free.
Access to cash in their lifetime
Clients can access their cash value while living with a terminal or chronic illness.
A fast and simple sales process
Our simple Ten Minute Legacy solution uses Protective Series Estate Maximizer to create a larger legacy for their loved ones. All it takes is 4 questions, no medical exam and a 10 minute approval process.
Maximize your client's legacies

This short video shows you how a client's single premium payment can instantly leave more to the people they care about with the Ten Minute Legacy and Protective Series Estate Maximizer.

A frame from a video explaining how the Ten Minute Legacy and Protective Series Estate Maximizer works
A grandfather embracing his teenage grandson, knowing he has a stronger legacy with Protective Series Estate Maximizer.
Show clients how simple wealth transfer can be
Our consumer-friendly resources can give them an overview of how our Ten Minute Legacy solution works and the 4 yes-or-no questions they’ll need to answer to qualify.
Calculate your client’s legacy 
Our interactive calculator helps you show a client how their single payment can turn into a much larger legacy. Use it to calculate their guaranteed death benefit, highlight additional riders and download a client-approved summary.

Helpful resources on Protective Series Estate Maximizer

We want to help you decide if this whole life insurance solution is the right fit for your clients. Use these resources to learn more about the product and support your sales conversations. 
The cover of the Protective Series Estate Maximizer whole life insurance product profile
Introduce clients to Protective Series Estate Maximizer
The cover of the Protective Series Estate Maximizer quick facts flyer
Review quick facts about this solution
The cover of the Protective Series Estate Maximizer whole life insurance agent guide
Learn more about Protective Series Estate Maximizer
The cover of the Protective Series Estate Maximizer prospecting guide
Find tips for prospecting for ideal clients
The cover of the Protective Series Estate Maximizer whole life insurance legacy options flyer
Compare different legacy options
The cover of the Protective Series Estate Maximizer client brochure
Show clients how they can maximize their legacy
The cover of the Protective Series Estate Maximizer whole life insurance simplified wealth transfer flyer
Learn how to simplify wealth transfer in 10 minutes
The cover of the Protective Series Estate Maximizer beneficiary reviews brochure
Show clients the power of annual beneficiary reviews

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Securing the future with an estate plan
We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. 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.

¹ Protective Life's financial strength backs all of its obligations to pay claims under the policies it issues.


² Loans may be taken after the first policy year at a rate of 4.5% in policy years 1 through 10, and 3.5% in policy years of 11 or more. Loan interest is charged on loan balance; cash value is reduced by loan amounts and loan interest. Withdrawals and loans are subject to tax on any gain in the contract and, if taken before age 59½, may be subject to a 10% federal tax penalty. Loans, if not repaid, and withdrawals will reduce the death benefit and account value. Clients should consult a tax advisor.


³ If the insured has a terminal illness, less than 24 months to live (12 months in FL and NY), the owner may accelerate up to 85% (87% in FL and NY) of the death benefit (maximum of $250,000). This benefit varies by state. Not available in California. This benefit will be added to the contract at no additional charge unless the contract owner declines it at time of application. The owner can elect to receive an accelerated payment, which is the lesser of: 1) up to 85% (87% in FL & NY) of the benefit base for terminal illness; or 2) $250,000. The benefit base is equal to the contract death benefit at the time of the first acceleration. A minimum of 10% of the benefit base must remain in force after the accelerated payment is made. An acceleration charge is added to the accelerated payment to determine the total accelerated amount, which will reduce the death benefit by an amount greater than the accelerated payment. The acceleration charge is calculated by multiplying the accelerated payment by 1/17 (1/29 in FL & NY) for terminal illness. When there is outstanding indebtedness, a portion of the accelerated payment will be withheld to reduce the outstanding total indebtedness. A terminal illness is a medical condition expected to result in the insured’s death within 24 months (12 months in FL & NY). Receipt of the accelerated death benefit may affect eligibility for public assistance programs. Contract owners should consult their tax advisor regarding any tax implications. Availability and features may vary by state.


⁴ If the insured becomes chronically ill (not able to perform two of the six activities of daily living), the owner may accelerate up to 75% of the death benefit (maximum of $250,000). This benefit varies by state. Not available in California. This benefit will be added to the contract at no additional charge unless the contract owner declines it at time of application. The owner can elect to receive an accelerated payment, which is the lesser of: 1) up to 75% of the benefit base for chronic illness; or 2) $250,000. The amount of accelerated death benefits cannot exceed the annual limits for payments that would be free of current federal income tax. The benefit base is equal to the contract death benefit at the time of the first acceleration. A minimum of 10% of the benefit base must remain in force after the accelerated payment is made. An acceleration charge is added to the accelerated payment to determine the total accelerated amount, which will reduce the death benefit by an amount greater than the accelerated payment. The acceleration charge is calculated by multiplying the accelerated payment by 1/5 for chronic illness. When there is outstanding indebtedness, a portion of the accelerated payment will be withheld to reduce the outstanding indebtedness. Chronic illness means the insured is (1) unable to perform at least 2 of the 6 activities of daily living or (2) requires substantial supervision to protect the insured from threats to health and safety due to permanent severe impairment. Receipt of the accelerated death benefit may affect eligibility for public assistance programs. Contract owners should consult their tax advisor regarding any tax implications. Availability and features may vary by state.


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