• Protect Your Family

    With Affordable and Permanent Coverage

    Protective Custom Choice UL™ is one of the most affordable ways to protect your family's financial security if something unexpected happens to you. Applying is as easy as term life insurance.

  • Save up to 35% on quality life insurance.

    Low premiums that can cover you for life

    Non-taxable death benefit paid to your family

    Affordable financial security with rates as low as $7.32 a month*

    Your coverage will not end as long as your planned premiums are paid**

    Payments will stay level for an extended period of time*

    Option to lock in permanent coverage with a price adjustment, no matter your health

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  • 1This chart compares the Protective universal life product to competitors’ term products. Rates are effective as of March 27, 2015, vary by carrier and are subject to change without notice. See details below.
  • *The monthly premium example is for a Protective Custom Choice Universal Life Insurance policy with a $100,000 death benefit for a 30-year-old male insured, Select Preferred underwriting class, with a 10-year guaranteed initial level benefit period. Premiums and face amounts listed are for the initial level benefit period. The level premium period may be extended beyond the initial level benefit period, however the face amount will begin to decrease annually until it reaches $10,000, at which point premiums will begin to increase. Different planned premium frequencies will require different total annual premium amounts. More frequent planned premiums will typically require higher premium payments to be made. Actual results will vary based on a variety of factors including age, gender, health and other underwriting factors.
    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. The tax treatment of life insurance is subject to change. Neither Protective Life nor its representatives offer legal or tax advice. Please consult with your legal or tax adviser regarding your individual situation before making any tax-related decisions.
    **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.

  • Universal Life vs Term Life

    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.