Protective Indexed ChoiceSM UL Rate Changes

Our life insurance solutions are designed to help customers protect their tomorrows — and we take that responsibility seriously. Due to Actuarial Guideline 49 (AG49), we will be increasing our illustration rate and loan rate on Protective Indexed ChoiceSM UL in order to meet regulatory requirements. Contact your BGA for a quote today.

Prepare for What’s Next

When preparing for retirement, the potential need for long-term care is often an after-thought. Navigating all the options can be daunting and stressful, which is likely why so many put off the decision making. Learn how OneAmerica’s collection or assets can help, contact your BGA today.

Symetra: Additional Death Benefit Coverage Without Full Underwriting

  • Available through March 31, 2020.
  • Product offered: Symetra Protector IUL
  • Maximum death benefit coverage: $1 million
  • Clients ages 60 or younger who have been issued a fully underwritten Symetra permanent life insurance policy (or policies) within the past two years at a Standard rate class or better can qualify for the program.2
  • Symetra will request an MIB, MVR (motor vehicle record) and Rx script check

Learn more contact your BGA

Transamerica: Protection That Goes The Distance

Transamerica Lifetime? whole life offers a triple guarantee:* guaranteed level death benefit, guaranteed cash value, and guaranteed level premiums that will never increase as long as premiums are paid.* It’s a solution with built-in living benefits to address a variety of protection needs. With seven underwriting classes available and three limited pay options, this solution can be tailored to meet client needs. Contact your BGA today to learn more

Professional Advantage Program

Lincoln’s Professional Advantage Program is an executive underwriting program featuring a no-lab, no-exam process for up to $20 million in life insurance coverage for executive or professional clients, and their spouse, who have had an executive physical conducted within the last 18 months. Contact your BGA to learn more


The SECURE Act, signed into law on Dec. 20, 2019, provides greater opportunity for individuals and families to save for retirement. It includes significant changes that affect qualified retirement plans and IRAs, and can also create some new estate planning challenges. The good news—life insurance can be used to help meet those challenges.

Contact your BGA to learn how.

Protective Lower Rates

New Lower Rates for Protective® Classic Choice Term

Protective Life is proud to offer Protective® Classic Choice Term — one of the most competitively priced term products on the market. Beginning January 13, 2020, you can offer this same great term solution at rates that are an average of 0.99% lower. 

Contact your BGA to learn more.

Groovy New Term Rates

We’re starting 2020 out with good vibrations- and new  AIG Term rates. As of February 1 2020, Select-a-Term gets even more competitive in some of the most popular issue ages and classes.

Keep jamming with:

  • 18 durations, including 10-year and 15 through 30 years and a 35-year term
  • Convertible to the earlier of age 70 or the end of the level term period.

In addition to rate changes (including increases and decreases in certain cells), the product will now have new Annual Renewable Term (ART) rates, changes to the ART design, and a discontinuation of the Term Conversion Credit.

Choose Wisely. Choose Select-a-Term.