We believe products should be easy to understand and easier to recommend. In addition to the reprice, we continue to improve our term product to maximize its value for clients everywhere:

• Our underwriting process now offers a better agent and client experience. Policies under $1M now qualify for faster decisions, and Protective Velocity streamlines everything from submission to commission for quicker results.
• We recently simplified the application process to ensure efficiency from start to finish for both agents and clients.
• 35- and 40-year term periods make us one of only three carriers in the market to have level term coverage for up to 40 years.

Transition Rules

• For paper business: applications must be signed and received on or before May 16, 2025.
• For electronic ticket business and direct writers: applications must be signed and received on or before May 30, 2025.
• Any application in Underwriting on May 1, 2025, may choose the version of the product (old or new) but will retain the rates they are initially quoted unless otherwise requested up until the case has been approved.
• New York does NOT have a rate change, however the plan codes are changing, so they will follow the above rules.

Reach out to your representative today to see how we're helping clients achieve the protection they deserve.