Protective Classic Choice Term — repriced, again!


Protective is pleased to announce they have repriced Protective® Classic Choice Term to have new lower rates in multiple cells.  This reprice puts Protective in the top three or better 95% of the time in monthly pay scenarios and in the top three 89% of the time in annual pay scenarios. These rates are more competitive than ever, and they go into effect starting today*

Don't forget! Protective Classic Choice Term includes guaranteed level term options at 35 and 40 years. Protective is now one of only three national carriers to offer more than 30 years of level term coverage.

Transition Rules: 

  • For ticket business and direct writers: applications must be signed and received on or before Monday, July 5 to receive current rates.
  • For paper business: applications must be signed and received on or before Monday, June 21 to receive current rates.
  • Any application in underwriting on Monday, June 7 may choose between the old and new version of the product but will retain the rates initially quoted unless otherwise requested up until the case has been approved.

Please give us a call at 1-800-792-6795 if you have any questions about the rate change.


* Rankings current as of June 2021. Based on comparison of Protective Classic Choice Term monthly premiums against 23 carriers, at quinquennial ages for three Non-Tobacco underwriting classes at durations of 10, 15, 20, 25 and 30 years.