Skip to Content
Graphic hero blue
Graphic hero blue

Term life insurance

Your clients want protection that fits their lives and budgets. Learn about term life insurance that can secure what matters most with affordable, straightforward coverage for up to 40 years.

Why offer term life insurance? 

Your clients who want affordable life insurance coverage for a set period of time will enjoy these 4 benefits:
Protection for a specific time
Essential death benefit coverage for a term period of their choice, usually 10 to 30 years, but some policies can cover up to 40 years.
Level premiums
Term policies typically have predictable, level premiums while in the initial term period.
Fast approval and policy delivery
Often clients have access to simplified issue plans or accelerated underwriting to save time.
Simple designs
Straightforward policies are easy for your clients to understand and easy for you to sell.
A husband and wife holding their young daughter and reviewing information about term life insurance
Consider term life insurance for a client with:
  • Short-term protection needs, usually 10 to 40 years
  • A conservative low risk profile
  • Only death benefit coverage needs
  • Their budget top of mind

Common uses for term life insurance

See how the proceeds from a term life insurance policy could be used to protect your client’s loved ones:
Income replacement
Life insurance benefits can help families replace lost earnings and keep their standard of living.
Debt payoff
Policy proceeds can be used to cover an outstanding mortgage balance, student loans or other debts.
Children’s education
Offers a safety net should something happen to your client while they’re saving for their child’s college education.
Divorce settlement
Satisfy requirements related to divorce, ensuring alimony and child support can be maintained.

Explore our term life insurance products

A financial professional showing a retired husband and wife the benefits of term life insurance
Protective%%®%% Classic Choice Term
Help make protection more accessible to clients’ through:
  • Death benefit coverage that’s simple and easy-to-understand
  • Term periods up to 35 and 40 years
  • Rates that are some of the most competitive available
A financial professional showing a retired husband and wife the benefits of term life insurance
Protective%%®%% One-Year term

Help make short-term employee incentives more accessible to businesses through:
  • Term life strategy designed for split-dollar arrangements
  • Short, one-year death benefit coverage
  • Policy that is non-renewable

Other related topics

A woman smiling knowing she is protected with universal life insurance.
Protect clients with the flexible lifetime benefits of universal life
Learn more
A couple smiling and using a tablet to review indexed universal life insurance.
Pair protection and index-linked growth with indexed universal life
Learn more
A father helping his children measure their growth, knowing his family is protected with variable universal life insurance.
Enhance growth potential and protection with variable universal life
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.

Protective Classic Choice (TL-21) is a term life insurance policy issued by Protective Life Insurance Company in all states except New York where it is issued under form (TL-21-NY) by Protective Life and Annuity Insurance Company.

Protective One-Year term life insurance (ICC14-TL20 12-14 / TL-20 12-14) is a single-premium term life insurance policy issued by Protective Life Insurance Company in all states except New York. Policy form numbers, product features and availability may vary by state.

WEB.3147569.01.24