Robot Trap

This site is operated by a third party, not by Costco. Use of this site (and any destination sites you reach through this site) is subject to the site’s Terms of Use and Privacy Policy, rather than those of Costco.

Let's get a quote

(Not sure how much you need? Calculate coverage.)

Oops! Please complete the fields marked in red below to continue.

I want of coverage for

My Costco membership type is

I live in

I am a born on

My height is and my weight is

I have used tobacco.

I feel I'm in health.

My email address is

The information collected in this form by Protective will be used to offer you services that meet your needs and for other business purposes. Please visit our Privacy Policy for more information about our information practices, including information about your privacy choices.

You’re on your way to protecting your family’s future

1. Get a quote

We make it simple for you to get a quote on the life insurance coverage you need.

2. Fill out an application

Start the process with our easy online application.

3. Have a phone call

Your interviewer will ask you some basic questions about your lifestyle and health history.

4. Get your free medical exam

Our medical examiners come to you on your schedule! It takes about half an hour.

5. Wait for approval

We make sure the policy is priced appropriately depending on your phone interview and medical exam.

Reviews from Protective Life

Kirkland, WA

“The process was simple & painless. Their patience was great as I had a lot of questions & was responsible for holding it up.”

This is a secure site

In reference to footnote disclaimerAcceptance for coverage and pricing is subject to eligibility and underwriting criteria. Member Advantage Life (ICC16-TL21/TL-21), is a term 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.

10- and 20-year level premium terms available with a reduced premium for the first five years.

In reference to footnote disclaimerCostco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from PLICO and/or its affiliates. CIA and its affiliates do not guarantee the services of any insurance company. PLICO and its affiliates are separate, independent of and distinct from CIA. CIA is not responsible for the financial condition or obligations of PLICO. The California license number for Protective is 07726. The California license number for Costco Insurance Agency is 0D08407.

When you visit Protective's websites, we may collect personal information from you via your browser or device, or through the use of cookies, analytics tools, and other technologies. Please visit our Privacy Policy for more information about our information practices, including information about your privacy choices.

Percentage is based on first year annual premium comparisons between Protective’s Classic Choice term product and the Member Advantage Life term product. The guaranteed premium will increase in policy year 6 and then remain level for the remaining level period (5 or 15 more years) and after the full level period (10 or 20 years) the premiums will increase annually immediately following the full level period. Rates are effective as of August 12, 2019, vary by carrier and are subject to change without notice.

Need help? Speak to one of our Member Advisors. 1-844-740-5433