A young mother made sure her family’s future was protected with life insurance.

Even though Katie Miller was young, she knew to plan for her family’s future with life insurance. Shortly after welcoming their second son, she passed from an aggressive cancer at age 30. “Nothing can bring Katie back, but having life insurance meant we didn’t lose everything,” says widowed husband Stephen.

Life Insurance 101

No one really wants to think about life insurance. If someone depends on you financially, it’s a topic you can’t avoid. Getting life insurance doesn’t have to be hard (or boring). We have some answers to common questions about life insurance so you can make informed decisions about protecting your loved ones financially.

Life Happens’ mission, as a nonprofit, is to give you unbiased information to help you make smart insurance choices to protect your loved ones.

Why is life insurance worth it?

Life insurance is important because it’s a simple answer to a very difficult question: How will my loved ones manage financially if something were to happen to me?

Learn more about why life insurance is important

What are the different types of life insurance?

Life insurance generally falls into two categories:

Term life insurance provides protection for a specific period of time (the term), often 10, 20 or 30 years.

Permanent life insurance provides lifelong protection, as long as you pay the premiums.

Learn more about how life insurance can help your loved ones

What is the avarage life insurance cost?
The price of life insurance is based on a number of factors, but the most important are age, health and the type of policy. In general, life insurance is cheaper the younger and healthier you are.

Learn more about living benefits

Do I need life insurance?

That’s a great question. And the truth is not everyone does. But ask yourself, “Would someone suffer financially if I died?” If you answered, “Yes,” then chances are you need life insurance.

Learn more about whether you may need life insurance

Life Insurance Needs Calculator

Answer a few simple questions to estimate the amount of life insurance coverage you need to take care of your family.

This is an estimate only. For a complete assessment, contact a qualified insurance professional.

Get Started

Short-Term Solutions

Our short-term solutions portfolio offers clients the choice of two easy-to-understand products with coverage that doesn’t break the bank.

Permanent Solutions

Premium flexibility, potential cash-value growth, options to customize coverage—these are just some of the features you’ll find in Protective’s diverse product portfolio.

Unique Concepts & Features

Life insurance isn’t one size fits all. That’s why Protective offers unique features and strategies that can help meet client needs.

Protecive Velocity

Our portfolio of digital capabilities can help you speed up production, deliver policies faster and easier, and drive your business in your most desired direction: forward.

Marketing Toolkit


Explore product specs, key marketing materials, and more.

Sales Concepts

Help identify and meet your
client’s needs.

Web Events

Live and recorded events about North American’s products, technology, and sales concepts.


Information about online e-app, accelerated underwriting, and more.

Powerful videos and compelling statistics can tell an impressive story – start meaningful conversations with these tools.
Choose from our library of videos and infographics. Copy, Paste, GO!

Living Benefits

Living benefit riders offer financial protection you need in the event of a qualifying condition. This income tax–advantaged benefit lets you access funds from your life insurance policy while you are living

Retirement Plan

Modern day life insurance provides options to access cash while you’re living. Access to these funds can be an important part of your overall financial plan and can be used for a variety of purposes.

Financial Flexibility

With certain policies, you can leverage multiple options to access cash value, or you can save some or all of the life insurance benefit for your beneficiaries.

Who We Are



Industry News



NAILBA is essential to the future success of America’s insurance and financial services wholesale brokerage distribution.

NAILBA is the leading insurance industry organization promoting retirement security and consumer choice in the insurance and financial services marketplace through the use of independent wholesale brokerage distribution channels. NAILBA is the voice of independent brokerage distribution.

Membership Benefits:
Belong, Connect & Grow!

Belonging to NAILBA, the voice of independent insurance brokerage distribution, provides you with the information and resources you need to advance your career, grow your business, and enhance your quality of service.

How Do I Use
NAILBA University?

NAILBA University’s programs offer a truly unique and valuable benefit of membership to NAILBA members. By joining NAILBA, members are offered many educational and training opportunities that they can promote and distribute to their producers and their staff.

LIMRA brings the financial services industry together. They are a worldwide research, consulting and professional development organization that connects people to data, thought leadership, solutions, and each other.

Life Insurance Research

Find the insights and benchmarks you need to make strategic decisions and grow sales. You will find actionable information on these and more.

Featured Life Insurance Research

We've increased exam-free eligibility from $1M to $2M

Using our digital application with its ultra-fast decisions, reduced cycle times, and greater flexibility will make life easier for you and your clients. We’re excited to be expanding the ability for your clients to have more APS/exam-free approvals.

Starting October 7, 2021, we are increasing the face amount eligibility criteria for accelerated underwriting (AU) from $1M to $2M when using our industry-leading digital application. All other eligibility criteria will remain the same:

  • Ages 20-50, up to $2 million, any term duration
  • Standard Plus, including Preferred Tobacco or better
For your clients, this means they will have more opportunities for an instant, exam-free decision. For advisors, this means faster payouts of commissions.