• Protection When You Need It

  • Protective Custom ChoiceSM UL

    Consider our Protective Custom Choice Universal Life (UL) policy if you want affordable protection that guarantees a level premium and coverage amount for a specified period of time. Plus, it offers the comfort of knowing your premiums won’t suddenly increase after the initial coverage period ends.*

    • Payment will stay level for an extended period
    • Options and flexibility to adjust to future changes in needs
    • Usually less expensive than other universal and whole life insurance products

    With Protective Life’s Custom Choice UL, you'll have maximum coverage when your family needs it most and more modest coverage in later years, all with a low, level premium that can extend beyond the initial coverage period.

    Read the brochure (PDF).
    Get a free online quote.
    Call us at 1-844-733-5433.

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    Almost 9 in 10 Americans view life insurance as a necessity.

    Source: LIMRA, Americans Know They Need Life Insurance 2013

  • *With term life insurance, there may be a large increase in your insurance premiums when renewing your coverage after the initial term ends. With Protective Life's Custom Choice UL, there won't be a large premium increase as premiums stay level after the initial coverage period ends. Instead, the guaranteed death benefit will decrease while your premium payment amount remains level. The death benefit will decrease each year until it reaches $10,000, at which time it is locked. At this point, your premiums will begin increasing every year.
    Protective Custom Choice UL (UL-22) is a universal life insurance policy issued by Protective Life Insurance Company, Birmingham, Ala. Policy form numbers, product features and availability may vary by state. Consult policies for benefits, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. All payments and all guarantees are subject to the claims-paying ability of Protective Life Insurance Company.
    Lapse protection guarantees the policy death benefit for the duration of the guarantee and does not cover cash or surrender value. Loans, withdrawals and other policy and premium changes will affect the cost and length of protection. Failure to make premium payment as planned may cause the policy to lose lapse protection and premiums required to restore it could be significantly higher. Refer to the policy and endorsements for complete terms, conditions and limitations.

  • Term Life Insurance vs. Protective Custom Choice Universal Life.

    Term life insurance offers a fixed premium and coverage amount for a set period of time, usually 10 to 30 years. Protective Life’s Custom Choice Universal Life (UL) can offer a fixed premium and coverage amount from ten years up to your lifetime, although 10 to 30 years is the most commonly chosen period. You also have the option to change your premium and coverage amount.
    If you’re looking for affordable insurance that won’t suddenly leave you paying much higher premiums after the fixed coverage period ends, you’ll find it with a Protective Custom Choice UL policy. Get a free quote.