The present invention is an adjustable ballistic binder insert, which allows the user to customize the level of protection desired by inserting different ballistic defeating materials into the carrier pocket. The components of the invention are a plurality of armor fabric layers that create a pocket, a method of connecting to the binder or folder, and a ballistic defeating material insert that is able to be removed and replaced as well as a temporary method of closing the pocket to contain the inserted panel, which, generally speaking, are configured as described.