Protective Life Insurance

About Protective Life Insurance

The Protective Life Insurance Company is a subsidiary of Protective Life Corporation. Established in 1907, Protective Life Insurance is thought to be one of the nation's leading insurance companies and provides more than $140.9 billion in insurance coverage to individuals and families in the United States.

The company has very good ratings among independent rating agencies. Insurance ratings for Protective Life are as follows:

• A.M. Best: A+ (Superior, 2nd highest of 15 ratings)
• Standard & Poor's: AA (Very Strong, 3rd highest of 21 ratings)
• Fitch: AA- (Very Strong, 4th highest of 22 ratings)
• Moody's Investors Service: Aa3 (Excellent, 4th highest of 21 ratings)

To learn more about these ratings and how they work, visit the Protective Life website: www.protective.com.

Life Insurance Products

Life insurance can help to relieve some of the financial pressure that is placed on your family members after your death. This type of insurance can help with mortgage payments, college tuitions, and everyday bills. If you are thinking about getting a life insurance policy, Protective Life Insurance offers two different options: term insurance and permanent insurance.

Term Life Insurance

A Protective Life term policy provides individuals and families with insurance coverage for a specific time frame. Terms can range from one to thirty years. If you are on a limited budget, you can purchase a term life insurance policy with a minimal amount of expense. In most cases, the policy will provide you with a large amount of life insurance coverage.

Special policy features include:

• Non-taxable death benefits (for your beneficiaries)
• Renewable protection for specific terms
• Affordable rates

Whole Life Insurance

If you want to have insurance for the long run, a permanent life insurance policy from Protective life may be your best option. A permanent life insurance policy, more often known as a whole life insurance policy, is guaranteed to pay your beneficiaries a life insurance settlement in the event of your death. This policy will never be cancelled and will never have to be renewed, providing you pay your insurance premiums in a timely manner.

Though this type of insurance policy is more expensive than term insurance, it does offer certain investment benefits. Your funds can build cash value through financial investments. You can choose to leave your family more in the event of your death, or you can withdraw some of the money while you are alive to use for various purposes.

The benefits of purchasing a permanent life insurance policy through Protective Life Insurance include:

• Non-taxable death benefits (for your beneficiaries)
• Death settlement policy--settlements are paid directly to your beneficiaries, not through probate courts
• Tax deferred growth
• The ability to borrow from your insurance policy

In addition to the benefits listed above, a permanent life insurance policy will also provide you with four different policy options:

• Universal
• Variable
• Whole Life
• Variable-Universal

To learn more about these options, visit the Protective Life website.

Contacting Protective Life Insurance

If you are interested in contacting Protective Life to learn more about the types of products that they offer or to purchase a policy, the information below should prove useful:

Protective Life Corporation 2801 Highway 280 South Birmingham, AL 35223

Phone: 205-268-1000 or 800-866-3555 Website: www.protective.com

If you would like a Protective Life representative to contact you, click here to fill out a request form.