Protective Life is one of the carriers LAD Financial agents can write through our master network contract. As a LAD-affiliated broker you’re appointed with Protective Life, write competitive top-street commission, and access Protective Life’s products through our unified broker platform.
Protective Life at a glance
- AM Best rating: A+
- Headquarters: Birmingham, AL
- Established: 1907
- Parent company: Dai-ichi Life
- Lines you can write through LAD: annuity, life
- Target contracting timeline: ~14 days from signed paperwork to first appointment via SureLC (carrier-typical; varies by state and individual licensing)
- State availability: nationwide
Why brokers write Protective
- Strong A+ rating and 100+ year history
- Secure Saver MYGA competitive at multiple durations
- Well-developed term life and IUL lineup
Featured Protective products
Protective Secure Saver MYGA — MYGA (5-year surrender)
Solid MYGA, broad state availability, frequently competitive.
Protective Indexed Choice — FIA (10-year surrender)
Long-surrender FIA with broad index options.
Commission
LAD pays competitive top-street commission on Protective Life. The BGA’s revenue is the carrier-paid GA bonus on aggregate production — not a skim off broker commission. Exact per-product rates and grids are visible inside the broker platform once you’re contracted; apply to contract to see them.
Operational notes
Dai-ichi Life owned since 2015. Very strong balance sheet and ratings.
Apply to write Protective
If you’re a licensed life and annuity agent ready to add Protective Life to your carrier roster, apply to contract with LAD. The contracting packet covers Protective Life alongside every other carrier we represent — one submission, e-signed, processed through SureLC. Target timeline: appointed and writing in ~14 days.
Already contracted? Log into the broker portal to run a Protective Life quote, submit an e-application, and track case status.
Other carriers
See all carriers LAD represents → or this week’s MYGA rates across our carrier list →
For licensed insurance professionals only. State availability varies. Carrier appointments subject to Protective Life approval and licensing verification through SureLC. Commission ranges shown are illustrative; actual rates depend on product, state, and current carrier schedule.