“Protective Life” refers to Protective Life Insurance Company (PLICO) and its affiliates including Protective Life and Annuity Insurance Company (PLAICO). Life insurance policies and annuity contracts are issued by Protective Life Insurance Company in all states except New York, and in New York by Protective Life and Annuity Insurance Company.
Securities offered by Investment Distributors, Inc. (IDI). IDI is the principal underwriter for registered insurance products issued by PLICO and PLAICO, its affiliates. All three companies located in Birmingham, AL. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.
Neither PLICO, PLAICO, nor IDI is registered as an investment adviser and is not providing investment advice through any of the material offered on this site. If your clients are interested in purchasing any of the products or applying any of the strategies described on this site, they should first consult their investment, legal and tax advisers to determine if the product or strategy is right for them.
The tax treatment of life insurance and annuities is subject to change. Investors should consult their attorney or tax advisor regarding their individual situation before making any tax related decisions or purchases.
Life insurance and annuities are not considered a deposit or obligation of, or guaranteed by any bank or savings institution. These products are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government agency.
Annuity Product Information
Annuities are long-term investments intended for retirement planning. Variable annuities involve market risk and the possible loss of principal. Investments in variable annuities are subject to fees and charges from the insurance company and the investment managers.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options before investing. This and other information contained in the prospectuses for the variable annuity and any underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be viewed in the products & solutions section (login required) of this site or may be obtained by calling PLICO or PLAICO at 800.628.6390.
Detailed information about the annuity products offered by Protective Life may be viewed in the Annuities section (login required) of this site. Product features and availability may vary by state.
Life Insurance Product Information
Variable universal life insurance involves the risk of investing in stocks, bonds and other securities, including market, interest rate and credit risk and loss of principal. If the investment performance of underlying investments is poorer than expected (or if sufficient premiums are not paid), the policy may lapse or not accumulate sufficient value to fund the intended application.
Investments in variable universal life insurance policies are subject to fees and charges from both the insurance company and the managers of underlying investments. Loans and withdrawals may negatively impact policy value, investment performance, death benefit, and any Lapse Protection.
Investors should carefully consider the investment objectives, risks, charges and expenses of a variable life insurance policy and its underlying investment options before investing. This and other information is contained in the prospectuses for the variable life insurance policy. Investors should read the prospectus carefully before investing. Prospectuses may be viewed in the products & solutions section (login required) of this site or may be obtained by calling PLICO or PLAICO at 800.628.6390.
Detailed information about the life insurance products offered by Protective Life may be viewed in the Life Insurance section (login required) of this site. Product features and availability may vary by state.
Protecting the privacy of information about our customers is important. This notice tells you how we treat information about our customers. We treat information about our former customers the same as we treat information about our current customers.
We do not sell information about our customers. We maintain physical, electronic, and procedural safeguards to protect it. Access to customer information is limited to people who need access to do their jobs. We get most of the information we need from customer applications and other forms. If a customer authorizes it, we may get information from others. For example, when a person applies for life insurance, we may ask for permission to get information from:
We also get information as we process customer transactions. This information we have includes INFORMATION such as:
FINANCIAL INFORMATION, such as:
HEALTH INFORMATION, such as:
We use this information for business purposes, such as:
We share the information with others who provide services to help us process or administer our business. For example, we may share information with:
We require that our service providers limit their use of the information and keep it confidential. We will not share information with anyone else, unless:
Privacy 2004Effective Date 12/07/04
Protective Life requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Rules and Regulations. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Rules and Regulations.
Laws and Regulations. Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.
Access to Password Protected or Secure Areas. Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.
Copyright and Trademarks. All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes.
The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Protective Life. Users are prohibited from using any Mark for any purpose without the express written permission of Protective.
Informational Purposes Only. The product material described on this Site is provided for informational purposes only. This material is intended solely to provide a general overview of the types of products and range of services available from Protective Life. The information included on this Site is not an offer to sell any security or product in any state or other jurisdiction.
Policy Restrictions, Limitations and Terms. The Protective Life products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage and product availability in your state, contact us at 800.628.6390
No Warranty. All information on this Site is provided to you "as is" without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics or other items contained on this Site.
Protective Life expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice.
Protective has no obligation to update information on this Site, so such information may be out of date at any given time. Protective also may make improvements or changes in products described on this Site at any time without notice.
Linked Internet Sites. You may leave this Site and access other sites on the World Wide Web that Protective Life does not maintain. Protective is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.