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When you shop for life insurance through Quotacy, you have access to the country’s top-rated life insurance companies. Is Protective the right term life insurance company for you? In this video, we review Protective to help you make an informed buying decision.

Video Transcript

Hey everyone, we’re Jeanna and Natasha and we work at Quotacy.

Quotacy is an independent life insurance broker. This means we have the ability to sell policies from multiple life insurance companies, giving you more options.

Today we’re going to give a review of Protective, one of the life insurance companies we work with. Protective is an American company headquartered in Birmingham, Alabama and has been around since 1907.

Overall, Protective is a great company and one of the best for applicants with a heart condition.

Quotacy only works with top rated life insurance companies which means they are rated A or better and Protective is no exception. Being A rated or better means the company is financially secure so you won’t have to worry about your policy’s death benefit not being paid.

To stand out in the competitive life insurance industry, some companies cater to different health or lifestyle niches. Protective is excellent for those with ADHD and heart conditions.
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This means that while some companies may see these particular factors as higher risk than normal, Protective is a bit more lenient.

Let’s talk about what we like in regards to Protective’s policies and buying process.

Protective’s level term product is called Classic Choice term and is sold in term lengths of 10, 15, 20, 25, and 30 years. The smallest amount of term life insurance you can purchase is $100,000.
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Overall, Protective is a great company and one of the best for applicants with a heart condition.

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Depending on the life insurance product, there will be different policy riders available. Life insurance policy riders are additional benefits that you can add onto your policy at the time of purchase. Protective’s term policy offers an accelerated death benefit rider, accidental death benefit rider, premium waiver for disability rider, and a child rider.
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Let’s break these down.
Protective accelerated death benefit rider slide
An accelerated death benefit rider, also known as, a terminal illness accelerated death benefit endorsement, is included in Protective term policies at no charge. This rider gives you access to a portion of your policy’s death benefit if you are diagnosed with a terminal illness resulting in six months or less to live.
Protective accidental death benefit rider slide
An accidental death benefit rider is available on Protective term policies for an additional cost. With this rider, your policy’s beneficiary will receive an increased death benefit if you were to die due to an accident. This rider is a popular add-on for applicants who perhaps have a dangerous job or participate in risky hobbies.
Protective premium waiver for disability rider slide
A premium waiver for disability rider is available on Protective term policies for an additional cost. With this rider, Protective will waive your premium payments during a period of total disability lasting six consecutive months or more.
Protective child rider slide
A child rider is available on Protective term policies for an additional cost as well. For a small annual fee, a child rider provides $1,000 to $20,000 in life insurance coverage on all of your children less than 18 years of age. It also would include any future children you may have or adopt.

If you’re looking for life insurance, Protective is a good option. If you’ve been diagnosed with ADHD or a heart issue, then Protective is a great option.

When you apply through Quotacy, we’ll review your application to double-check that you’ve chosen to apply to a company that will give you the most favorable outcome. The final choice is of course 100% your decision. We simply aim to be completely transparent and make sure you know all your options.

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If you’re interested in any of the riders we mentioned, let your Quotacy agent know after you apply. They’ll let you know the exact cost of any rider you want to purchase and can add it onto your policy during the buying process. Quotacy can help you get life insurance from Protective or any other of the top rated life insurance companies we work with.

And why should you get life insurance through Quotacy?

Our agents are licensed in all 50 states and they work on salary, not commission, so we’ll never try and upsell you. We work for you, not the insurance companies. You won’t pay any extra fees or charges to use our services.

Get a free, instant term life insurance quote now from multiple top-rated life insurance companies without giving away any contact information. Bye!

 

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius

Writer, Editor, and Co-host of Quotacy's Q&A Fridays

Natasha is the content manager and editor for Quotacy. She has been in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014. When not at work, she's probably studying and working toward her Chartered Life Underwriter (CLU) designation while throwing a tennis ball for her pitbull mix, Emmett, or curled up on her couch watching Netflix. If it’s football season, the Packers game will be on. Connect with her on LinkedIn.