An online broker is not limited to working with one specific life insurance company. By definition, a broker typically represents several companies and works on behalf of you, the customer. QuickQuote offers highly competitive compensation levels and fulfillment services. Every life insurance company QuickQuote represents has been carefully chosen to provide favorable rates for people with particular health risks. In this way, we can provide attractive rates to people of all walks of life, whether they have health problems or not. After all, everyone deserves peace of mind. QuickQuote has long-standing partnerships with some of the nation's top term life insurance companies. Read on to learn more about one company in particular, Genworth Life Insurance Company.
Protective Life and Annuity Insurance Company
Protective Life Corporation provides innovative insurance solutions and investment products designed to help clients achieve and maintain financial security. Since the formation of our first subsidiary over 100 years ago, we have remained true to the principles of hard work and integrity. Our core values guide us in all we do: Do the Right Thing, Serve People, Build Trust and Simplify Everything. Protective was awarded an A+ by AM Best Rating and an AA- by S&P Rating.
Conversion and Renewability
Protective Life includes a conversion option with no extra premium. This option allows the policyowner to convert the policy to any eligible permanent life insurance policy made available by the Company for conversions. The conversion may take place at any time before the end of the guaranteed level premium period and prior to the insured's 75th birthday. Evidence of insurability is not required if the specified amount of the new policy is not greater than the original policy. The new permanent policy will be issued at the Insured's attained age in the same or closest risk classification as the original policy. This policy is renewable to the Insured's attained age 80.
Waiver of Premium Rider
A waiver of specified premium rider is available at additional cost. This rider will waive your premiums in the event of Total Disability. Premiums will continue to be waived for the duration of the total disability. Issue ages are 18-55. Issue limits are up to $2,000,000 and substandard through Table C. Premiums and coverage cease at age 60. Please call or email for details, definition of Total Disability and premium rates. Actual terms and conditions contained in the rider govern all benefits provided.
Child’s Insurance Benefits Rider
Child riders are also available with extra premium. This rider provides term life coverage for the Insured's Covered Children. A Covered Child is any child, stepchild, or legally adopted child of the Insured who is as least 15 days old, unmarried and a member of the Insured's household. One unit of coverage equals $1,000 with a maximum of 5 units per household. For example, 5 units will proved each Covered Child with $5,000 of coverage. The premium is $6.00 per unit annually, regardless of the number of Covered Children. Issue ages are 18-64 for the Insured and 15 days - 18 years for the Covered Child. Please call or email for details. Actual terms and conditions contained in the rider govern all benefits provided.
Accidental Death Benefit Rider
An accidental death benefit rider is available with extra premium. This rider pays an additional death benefit if the Insured dies as a result of a bodily injury due to an accident. Issue ages are 18 to 65. Issue limits are the face amount of the base policy, not to exceed $250,000. Premiums and coverage cease at age 70. Please call or email for details and premium rates. Actual terms and conditions contained in the rider govern all benefits provided.
Protective plans include 10, 15, 20 and 25 year term life insurance policies during which your rates are guaranteed to remain the same. Coverage may be extended beyond the initial period with higher planned premiums.
Working with an insurance broker like QuickQuote has its advantages. Buying online allows you to complete the process at your own pace while avoiding pressure to buy. It also gives you a variety of insurance companies to choose from. Get started with an online quote and one of our agents will help you choose the best life insurance company for you and your unique circumstances.
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