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Fill in a quick form to tell us about yourself, your financial situation, and your anticipated future funding needs so we can help determine the right level of term life insurance coverage for you and your loved ones.
Immediately, we share your potential coverage based on what you inputted into our needs calculator. You can view the premium as a monthly or yearly rate, or click back to change the amount or length of coverage.
You can start an online application right away from the quote page by submitting your name, email, and phone number. We create a Protective login for you, which you'll receive via email. You can also start the application over the phone with one of our life insurance experts.
You may need to take a paramedical exam to determine your eligibility for coverage. You can select the time and place for this examination. The paramedic will perform a few quick health tests like checking your blood pressure, recording your height and weight, and drawing samples of your blood and urine. These routine exams can usually be done in 25 minutes or less, and Protective Life covers the cost of your exam, depending on the carrier.
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We'll schedule a phone interview that usually takes about 25 minutes. We'll cover all the necessary information needed to make an insurance decision. For your convenience, a list of the information needed for the interview will be provided. Then we review the information to determine your qualification for insurance coverage. Next, a quote will be provided for you so that you can decide whether or not to purchase life insurance with our company. The application process from start to finish takes roughly four to six weeks.
Get startedA little bit of education can go a long way in understanding how life insurance protects you, your budget and your family.
What is term life insurance?
Term life insurance policies provide coverage for a set period of time, i.e., 20 years. The death benefit is paid only if the insured dies during that timeframe. Term life is often less expensive than other life insurance policies but offers no cash value.
How does term life insurance work?
Term life insurance works by providing a fixed death benefit if the insured dies during the policy period, typically 10-40 years. The limited timeframe for payout makes term life less expensive than permanent life insurance.
What is the difference between term and whole life insurance?
While term life policies provide coverage for a limited timeframe, i.e., 20 years, whole life policies feature a guaranteed lifetime death benefit (when required premiums are maintained) and can build cash value that can be borrowed against. These additional whole life benefits make it more expensive than term life.
How much term life insurance do I need?
The amount of term life insurance needed varies by individual and often includes funding to replace income, pay off a mortgage and other debts, and/or cover specific expenses, like a child's education. Here's a tool to help with that calculation.
