In order to comply with requirements set forth by the National Association of Insurance Commissioners (NAIC), we are introducing a new version of our Protective Non-Par Whole Life (NPWL 2013) insurance product.

Effective July 12, 2019, the current NPWL 2013 will no longer be available. The rates for the new version of the product will reflect the updated 2017 CSO Mortality Table (2017 CSO) and Principle Based Reserves (PBR) requirements adopted by the NAIC.

Transition Rules
The following transition rules apply to all states, except the state of New York. The current NPWL 2013 version of the product will still be available in the state of New York.

  • New rates are available as of July 12, 2019.
  • Applications must be signed and received in the Protective Home Office by August 9, 2019 to receive the NPWL 2013.
  • Applications received on or after August 10, 2019 will receive the new product rates.
  • Exceptions will not be allowed.

For more information, please contact your Protective Life representative, or the sales desk at 877-778-3500, option 1.

Let’s deliver on our promises. Together.

For Professional Use Only. Not for Use With Consumers.
Protective Non-Participating Whole Life insurance product is issued by Protective Life Insurance Company in all states, except New York, and in New York by Protective Life & Annuity Insurance Company under policy form numbers WL-04, WL-04-NY, and ICC13-WL4, respectively. Features and availability may vary by state. May not be available in all states. Consult the policy for benefits, riders, limitations and exclusions. Subject to underwriting and up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. Refer to underwriting requirements for all risk class requirements and medical underwriting guidelines. All payments and all guarantees are subject to the claims-paying ability of the issuing insurance company.

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