In order to comply with requirements set forth by the National Association of
Insurance Commissioners (NAIC), we are introducing a new version of our
Protective Non-Par Whole Life (NPWL 2013) insurance product.
Effective July 12, 2019, the current NPWL 2013 will no longer be available. The
rates for the new version of the product will reflect the updated 2017 CSO Mortality
Table (2017 CSO) and Principle Based Reserves (PBR) requirements adopted by
The following transition rules apply to all states, except the state of New York. The
current NPWL 2013 version of the product will still be available in the state of New
New rates are available July 12, 2019.
Applications must be signed and received in the Protective Home Office by
August 9, 2019 to receive the NPWL 2013.
Applications received on or after August 10, 2019 will receive the new product
Exceptions will not be allowed.
For more information, please contact your Protective Life representative or the sales desk at 877.778.3500, option 1.