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Affordable life insurance protection that meets your needs today, with flexibility for future needs.
With features similar to term life, Protective Custom Choice UL℠ offers the flexibility of a universal life policy at rates that are typically less than other types of life insurance on the market.
The Protective Custom Choice UL offers low premiums and can cover you for life.
Payments stay level for an extended period of time - usually 10, 20 or 30 years.
You have the option to lock-in permanent coverage later, with a price adjustment, no matter your health.
You'll maintain some coverage even beyond your initial level benefit period as long as your policy remains in force.
The Protective Custom Choice UL pays your beneficiaries a non-taxable death benefit.
See how affordable rates can be. A 30-year old male could get $100,000 of life insurance coverage for 10 years for as little as $7.17 a month.
*Savings based on premium comparisons with a leading national life insurance carrier term product. Premiums were compared between the Protective Custom Choice UL insurance policy and the competitors’ term products for a 30-year old male with a $100,000 death benefit, select preferred non-tobacco underwriting class and a 10-year level benefit period. Rates are effective as of February 7, 2017, vary by carrier and are subject to change without notice.
With a Protective Custom Choice UL policy, you select the amount of coverage you need, along with the initial level benefit period of 10 to 30 years - similar to term life. But unlike term life insurance, you have the unique options to exchange the policy for traditional permanent coverage without another medical exam, or adjust the death benefit if your needs change.**
**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.
Traditional coverage lengths are available at rates that are usually lower than competitors’ term, whole or universal products. You set the coverage period that meets your needs.
Exchange your policy for permanent coverage within the first 20 years up to age 70, without going through another medical exam. Or adjust the amount of coverage.*
After the initial benefit period ends, premium payments remain the same while the coverage amount begins to adjust down, giving you time to maintain some coverage while you assess your needs.
*Coverage increases may require additional underwriting and decreases can be subject to minimums and charges after the third policy year.
For more information on life insurance options, give us a call at 1-844-733-5433 and talk with a Protective Life Agent. Or get a free online quote for Protective's Custom Choice UL.
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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.