• Indexed Universal Life Insurance

  • Indexed universal life provides death benefit protection and the potential for cash value growth linked to specific market indices, subject to caps and floors.

  • We offer a variety of life insurance policies from which to choose. For more information on indexed universal life insurance policy options - or other types of life insurance - give us a call at 1-844-733-5433 and talk with a Protective Life Agent.

  • Indexed Universal Life for lifetime protection and growth potential

    Indexed universal life insurance is a specific type of universal life insurance that offers lifetime protection and flexible features. It’s primary characteristic is that it allows for the possibility of market-linked cash value growth based on the performance of one or more market indices, subject to caps and floors.

  • Is Indexed Universal Life the right policy for you?

    Indexed universal life insurance is for people who need lifetime protection, flexible features and potential cash value accumulation to help meet their financial needs for the future.

    IUL could be the right policy for you if you want:

    • Potential for lifetime death benefit coverage
    • Cash value accumulation potential based on the performance of at least one market index (excluding dividends and subject to caps and floors)
    • Flexible death benefits and premium payments
  • At Protective Life, we recognize that everyone has different financial needs. Whether you’re interested in indexed universal life insurance or another type of permanent* insurance, we offer a variety of life insurance policies from which to choose.

    For more information on whole life insurance policy options - or other types of life insurance - give us a call at 1-844-733-5433 and talk with a Protective Life Agent.

  • How does Indexed Universal Life work?

    Indexed Universal Life (IUL) is a permanent life insurance policy in which your premium payments can earn interest and help grow the cash value in your policy. Similar to universal life insurance, the differentiator with IUL is the way cash value growth occurs.

  • Indexed Universal Life interest account options

    You will have a choice of two interest accounts which work together to help you build cash value. For an IUL, the potential cash value accumulation is based on changes in one or more stock market indices, subject to caps and floors. When the market does well, so does your policy. Over the life of the policy, this could mean more cash value.


    Choice 1 - Fixed Account

    Any premium allocated to the Fixed Account earns interest at a specific rate.


    Choice 2 - Indexed Account

    The Indexed Account credits interest to your policy based on positive performance of a specific index, giving you a greater opportunity to build cash value, subject to caps and floors.

  • The Learning Center can help you on your path to affordable coverage

  • At Protective Life, we recognize that everyone has different financial needs. Whether you’re interested in indexed universal life insurance or another type of permanent* insurance, we offer a variety of life insurance policies from which to choose. For more information give us a call at 1-844-733-5433 and talk with a Protective Life Agent.

  • See why so many have chosen Protective