We can tell you that they’ve been around since 1907 and are “A+” rated with AMBest, but that won’t get you excited about writing them.  So lets get into detail about why Protective Life is our #1 fully underwritten carrier (by placed premium) at Digital BGA.

Their EZ-App Technology is Best In Class

• Their EZ-App drop ticket platform runs on electronic feeds and we’re averaging a 21 day turnaround time from application completed to an inforce policy.
  • All medical exams and APS are ordered electronically.  Which means faster processing.
  • The APS is ordered after the exam is scheduled.  This shaves off weeks of underwriting time.  Most of the time the APS is ordered after an initial underwriting review.
• Protective’s IPO Process (Income Provider Option) will make almost always win on price IF your client is willing to take the death benefit over time.
  • We’re seeing 5%-25% reduction in premiums.
  • You can complete and get quotes on their EZ-App platform.

Underwriting Is Also Best in Class

• They use the best offer from the GenRe or SwissRe re-insurance manual.  Most life insurance companies use one re-insurer that tells them what risk they’re available to take.  Protective looks at both and uses the one that will give the best possible outcome.
• You can actually call in and speak with a Protective underwriter.  Need a risk assessment, call them!
• Because their term is built on UL chassis, their underwriting is more lenient.