Protective Classic Choice term: Streamlined, a昀昀ordable coverage for today’s needs. Who should Those seeking the most a昀昀ordable coverage to cover immediate needs, for a speci昀椀ed consider this policy? period of time. Policy type Term Short term options The following terms are available on these policies: 10, 15, 20, 25, 30, 35, 40 years Select Preferred, Preferred, Non-Tobacco, Tobacco Issue ages • 10-year plan: ages 18-80 (18-75 for tobacco) • 30-year plan: ages 18-58 (18-43 for tobacco) and risk classes • 15-year plan: ages 18-75 (18-68 for tobacco) • 35-year plan: ages 18-50 (18-40 for tobacco) • 20-year plan: ages 18-70 (18-62 for tobacco) • 40-year plan: ages 18-45 (18-40 for tobacco) • 25-year plan: ages 18-60 (18-52 for tobacco) What happens at With Protective Classic Choice term, at the end of your term, your coverage ends, unless you the end of the term? choose to extend. If you want to extend your coverage, your death bene昀椀t will remain level, but your premiums will increase. Grace period For times when you may have a late payment, we allow the following number of days 31 Days (61 days in California) after the premium due date to make your payment and keep your policy in force. You will be able to convert your policy during years 1 through 5 to the following products: ® SM • Protective Lifetime Assurance UL • Protective Advantage Choice UL SM • Protective Non-Par Whole Life • ProClassic Legacy UL ® SM • Protective Strategic Objectives II VUL • ProClassic II UL SM • Protective Indexed Choice UL Conversion options (Product availability may vary at You will have the following conversion options after year 5: the time of conversion.) • ProClassic Legacy UL • Protective Non-Par Whole Life (for 10-Year Term: Up to 8 years, for 15-Year Term: Up to 13 years, and for 20-, 25-, 30-, 35- and 40-Year Terms: Up to 18 years) Please con昀椀rm product availability in your 昀椀rm. Options available to customize your coverage: Riders and • Accidental Death Bene昀椀t Rider • Income Provider Option endorsements • Children’s Term Life Insurance Rider • Terminal Illness Accelerated Death Bene昀椀t Rider SM SM • Waiver of Speci昀椀ed Premium • Conversion Choice Rider with ExtendCare Premium 昀氀exibility You will pay a level premium either monthly, quarterly, semi-annually or annually in order to maintain your coverage level. Maturity age 95 Summing it up Protective Classic Choice term is for those who need to stick to a budget but want to make sure their loved ones are protected in case of death.