Find the policy for your life.

When deciding between term and permanent life insurance, which includes whole, universal and variable universal coverage, consider the option that best fits your needs and budget.

Term
life insurance

Term life
insurance quote

Low cost

Sample rate

$15.09

per month
$250,000 of Protective® Classic Choice Term for 20 years. Rate shown is not available in New York.¹

Coverage length

10-40 years

Builds cash value³*

No

Permanent
life insurance

Universal life
insurance quote

Flexible protection

Sample rate

Rates vary

 

Coverage length

For life

Builds cash value

Yes

Permanent
life insurance

Whole life
insurance quote

Fixed premiums

Sample rate

Rates vary

 

Coverage length

For life

Builds cash value

Yes

Permanent
life insurance

Variable universal
life insurance quote

Investment options

Sample rate

Rates vary²

 

Coverage length

For life

Builds cash value

Yes

* Cash value is a savings-like feature that you can withdraw or borrow against while you're alive.

Term life insurance

If you're looking for 10 to 40 years of affordable coverage, term life insurance may be right for you. With customizable policies, you'll find protection that fits where you are in life.

Term life insurance offers:

  • Coverage for a specific period of time, like until you reach retirement or your children are grown
  • Flexibility to switch to longer term, permanent protection in the future based on policy provisions

Permanent life insurance

If you're looking for dependable protection that lasts a lifetime, you should consider the three types of permanent life insurance: whole, universal and variable universal.

Whole life insurance offers:

  • The potential to earn dividends, which can be received in cash, accumulated at interest, used to buy additional life insurance or to help reduce premium payments or pay outstanding loans
  • Cash value that increases regardless of market conditions
  • Fixed premium payments over time

Universal life insurance offers:

  • Flexibility to adjust your plan over time
  • Cash value that builds with the security of downside protection
  • The ability to balance cash value growth with your preferred risk tolerance

Variable universal life insurance offers:

  • The ability to build cash value through market participation
  • A wide range of choices in which to invest the policy's cash value
  • No limits on upside investment gains or downside losses

Find a policy that helps meets your life insurance needs.

Check out our LifeTrek tool. Just answer a few quick questions to help find the life insurance policy for you.

use LifeTrek