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Costco Protective life insurance

Quality Life Insurance from Protective to Meet Your Specific Needs

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Quality Life Insurance from Protective to Meet Your Specific Needs

Costco Protective logo

Part of creating a safe and financially healthy future means obtaining a flexible life insurance plan that meets you and your family’s specific needs, even as those needs evolve throughout life. And that’s why Costco entrusts Protective to look after its members.

Provided By
Costco Protective logo

Life Insurance Quotes & Policies

$250,000 FOR LESS THAN 55¢ PER DAY1

Protective Life Insurance Company

Serving families across the U.S. for more than 100 years
  • Protective, founded in 1907, has been Costco’s exclusive life insurance provider since 2014.
  • To date, Protective has provided more than $7 billion in coverage to Costco members.
  • Protective services more than 7 million contracts and policies.

For over a century, Protective has provided quality, dependable, and flexible life insurance policies. Protective understands your exact needs to create a policy that can help ensure future coverage while fitting your budget today.

Get a Personalized Quick Quote.
More Information
Your health will impact your quoted premium.
  • Excellent health typically means that your blood pressure and cholesterol are normal, and your parents and siblings also don’t have medical conditions.
  • Very good health would normally mean above average health with a few prescriptions for minor medical conditions and no immediate family history of medical conditions.
  • Good health would include minor health issues such as high blood pressure or cholesterol and a family history of some medical conditions.
  • Fair health indicates medical issues such as high blood pressure or cholesterol and a history of medical conditions.
  • Other factors related to your quote may include a personal history of drug or alcohol abuse or hospitalization for depression, anxiety, or psychiatric disorders. Ratings may also be affected by an adverse driving record, criminal activity and citizenship as well as your history of heart disease, diabetes or cancer or a family history of onset and/or death from heart disease or genetically pre-dispositioned cancers.
Personalized Quote for:
Male, District of Colombia - 12/31/1999
Please contact us for further information

Based on the information you provided, Protective is unable to offer you a Personalized Quote online.

Please contact the Customer Care Team to discuss more life insurance options available to you.

$2,000,000 of coverage for as low as
Years 1-5:  $77.55/mo
Years 6-10:  $111.55/mo
Start your Online Application
To Apply Now Call
More coverage for less money!
$3,000,000 of coverage for as low as
Years 1-5:  $99.35/mo
Years 6-10:  $124.15/mo
Start your Online Application
To Apply Now Call

The information you provide is being submitted to Protective Life Insurance Company not to Costco. Protective will treat the information in accordance with its Privacy Policy.

See important disclosures below.

Savings and an Exclusive Offer for Costco Members

Protective shares a mission with Costco to deliver quality and savings to members. Costco Executive Members are eligible to save even more.

Get Your Free Quote

Questions? Give us a call:

Costco Protective logo

One policy created specifically for Costco members

Member Advantage Life® UL

Competitive rates for up to 20 years with an option
to extend it for a lifetime. Plan features include:

  • Graph
    Flexibility to adjust your death benefit amount as your needs change over time
  • Low Cost
    Policy cancellation any time at no
  • Membership
    Additional savings for Costco Executive members
  • Application
    A streamlined online application process to get coverage quickly and easily
    (subject to eligibility and underwriting)

Another Valuable Feature to Help You Get Started

With Member Advantage Life® UL, Protective Life
reduces your annual premium amount during the first five
policy years. It then modestly increases in year six and
remains level for the duration of benefit period you selected.

family life insurance

Flexibility For You and Your Family

Protective knows that pricing is key, but flexibility also is paramount. A retiring couple looking to downsize may not need the same level of coverage as a young family building a nest egg. Protective offers quality policies that provide benefits of various sizes

$100,000 - $5 Million

You can gain peace of mind at a level that suits your needs.

Not Sure How Much Coverage You Need?

Protective Life is here to help:

Calculate Your Needs

Questions? Give us a call:


When You Need A Life Insurance Company You Can Trust, Think Costco First

These are five common factors Costco members
consider when deciding how much coverage to get:

  • Income
    Income replacement for their family
  • Home
    Home mortgage payment
  • College
    Children’s college tuition
  • Nursing
    Care for elderly
  • Debt
    Payment of debt

Of course, that’s for an initial calculation. If, for example, you have another child after obtaining a policy, you may wish to increase the amount of your benefit, and you can do so by reaching out to Protective to adjust as necessary.2

Protective has been around since 1907 and will serve Costco families for many generations to come.

A Simple, Streamlined Application Process

Getting a quote is the first step in our straightforward process. Next, you’ll apply online. All you’ll need to do is enter your information, submit your beneficiaries’ names, and designate the percentage each beneficiary is to receive. What comes next?

  • 1
  • We’ll Talk

    A Protective representative will call you at your convenience to conduct a 20-minute medical history phone interview.

  • 2
  • Medical Examination

    You will then schedule a routine life insurance physical examination. No need to make a trip to the doctor — a medical representative will come to you. Some applicants may be eligible to obtain coverage without a full medical exam.3

  • 3
  • Underwriting Review

    This is where Protective reviews the information on your application and the results of your medical exam.

  • 4
  • Finalize your Policy

    Once your application and underwriting are complete, Protective will notify you. You’ll receive all documentation electronically — file it away with your other important documents and notify your beneficiaries. Please keep in mind that depending on your medical history and exam results, medical records or additional underwriting requirements may be required. This process generally takes a few weeks.


And That’s It.

Of course, you can contact Protective at any time to adjust your policy based on your changing needs.2 Protective is here to help you protect your family's financial future.

Costco chose Protective Life as its exclusive life insurance provider for the same reason: Protective delivers policies to real people and real families at a level of quality that Costco members have come to expect. Think Costco First.

Protective Life is here to answer your questions

Get Your Free Quote

Questions? Call:


Mon-Thur: 8AM-7PM ET — Fri: 8AM-6PM ET

* Percentage is based on premium comparisons between Protective’s Custom Choice UL product and the Member Advantage UL product. The death benefit amount for the Member Advantage Life UL will decrease each year after the initial coverage period until it reaches the minimum of $10,000. At that point, premiums will increase each year. Rates are effective as of December 19, 2018, vary by carrier and are subject to change without notice.

1 Premium based on the first 5 years of a Costco Gold Star or Business Membership, 20-year period, $250,000 face value for an eligible 40-year-old male at the select preferred non-tobacco rate. Monthly premiums for the Member Advantage Life insurance policy will increase at year six. Face amount listed is for the initial level benefit period. The level premium period, which begins in year 6, may be extended beyond the initial level benefit period, however the face amount will begin to decrease annually until it reaches $10,000, at which point premiums will begin to increase. Actual results will vary based on a variety of factors including age, gender, health and other underwriting factors. Rates are effective as of January 2, 2018.

2 Coverage increases may require additional underwriting and decreases can be subject to minimums and charges after the third policy year.

3 Coverage amounts and express application processing may be available to applicants from ages 18 - 45 for up to $1,000,000 and 46 - 60 for up to $500,000 of coverage that meet certain risk and eligibility requirements of Protective Life. Full medical underwriting may be required for applicants that do not meet Protective’s eligibility criteria.

Acceptance for coverage and pricing is subject to eligibility and underwriting criteria. Member Advantage Life (ICC12-UL22/UL-22), is a universal life insurance policy issued exclusively to Costco members by Protective Life Insurance Company (PLICO), Birmingham, AL. Not available in New York. Policy form numbers, product features and availability may vary by state. Consult policy for benefits, riders, limitations, and exclusions. Coverage and pricing is subject to eligibility and underwriting criteria. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. Any quote that is present is only an estimate and the actual premium and rate class will be determined after the underwriting process is completed. Costco Insurance Agency, Inc. and Costco Wholesale do not issue, underwrite insurance or pay claims under PLICO policies. Insurance is underwritten by PLICO.

Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from PLICO and/or their affiliates. CIA and their affiliates do not guarantee the services of any insurance company. PLICO and their affiliates are separate, independent of and distinct from CIA. CIA is not responsible for the financial condition or obligations of PLICO. CIA is licensed to sell PLICO products to the members of Costco Wholesale Corporation (CWC). Costco and CWC are affiliates, collectively referred to as Costco. Protective and Costco are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other. The California license number for Protective is 07726. The California license number for Costco Insurance Agency is 0D08407. (CD.675001.07.17)