Protective Life and Annuity of NY
WCL)

New York
our New York licensed company

Protective Life Corporation and its subsidiaries provide financial security through insurance and investment products to individuals and families across the United States.* Life insurance products are marketed through our Life and Annuity Division and West Coast Life Division and under the banners of four companies: Protective Life Insurance Company, West Coast Life Insurance Company, Empire General Life Assurance Corporation, and Protective Life and Annuity Insurance Company (our New York licensed company).

Our Acquisitions Division acquires blocks of policies from other companies. Having successfully invested approximately $700 million in these transactions over the last dozen years, we have developed expertise and know-how in this area. Retirement savings and investment products, which consist of annuities, guaranteed investment contracts (GICs), and funding agreements, are marketed through the Life and Annuity Division and Stable Value Products Division. Finally, a variety of asset protection products, primarily credit insurance and service contracts, are offered through our Asset Protection Division.

History of Protective

Protective Life Corporation, which today offers a broad portfolio of life and specialty insurance and investment products, traces its roots to the Corporation's flagship company, Protective Life Insurance Company. Protective Life Insurance Company is a nearly 100-year-old institution built upon a belief in hard work and integrity. Today, Protective's continued commitment to these basic principles is demonstrated through our dedication to three core values: Quality, Serving People, and Growth.

Vision

Protective Life Corporation was established on a profound belief in the American dream. Since 1907, Protective Life Insurance Company has remained true to its core beliefs: quality, serving people, and growth. This unwavering commitment to treating people the way we would like to be treated has been rewarded with stable, long-term relationships and growth. Protective Life Corporation is one of the fastest growing companies in the life insurance industry. Insurance products are available through its subsidiaries Protective Life Insurance Company, West Coast Life Insurance Company, Empire General Life Assurance Corporation, Protective Life and Annuity Insurance Company

Our ratings speak for themselves

Protective Life Insurance Company has had consistently high ratings from independent rating organizations who assign ratings measuring financial strength or claims-paying abilities.

Life Insurance to Meet Your Needs

Life insurance can help you ensure that your loved ones will not face added financial pressures in the event of your premature death. Purchasing a life insurance policy is a very important decision. You want to protect your family's financial needs.

Term Insurance

Term insurance is usually recommended if your family needs financial protection for a specific period of time, whether it's one, five, ten or even twenty years. Term insurance helps cover needs that will disappear over time, such as a mortgage or college expenses. It also is recommended for families that need a large amount of life insurance protection and are on a limited budget, since term insurance premiums can be less expensive than other types of life insurance.

Features:

• Protection
  Provides a non-taxable death benefit which is paid directly to your beneficiary.
• Affordability
  Less expensive premiums that focus on basic coverage for your specific needs.
• Choice
  Provides protection for a specific period of time, usually from ten to 30 years.