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Universal life insurance

Protective’s universal life solutions offer your clients financial protection for the people they love. Universal life insurance is a versatile type of life insurance designed to help solve a variety of needs with flexible features that can be used for many different financial purposes. The affordable, flexible and innovative universal life products and solutions offered by Protective Life can be tailored to fit your clients’ exact needs.
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Identifying the right clients for this product
The universal life products from Protective Life can be ideal for clients that are seeking flexibility and guaranteed protection. Consider sharing this product with your clients who meet one or more of the following criteria.
  • Lifetime coverage*
  • Desire guaranteed protection
  • Require affordability
  • Flexible death benefits and premium payments

*Permanent coverage continues as long as required premium payments are made on time.

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Other types of universal life insurance

Variable Universal Life (VUL)
VUL insurance is a permanent, flexible life insurance product that offers both a death benefit and financial growth potential.
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Indexed Universal Life (IUL)
IUL is a special type of universal life insurance offering lifetime protection and flexible features, plus market-linked cash value accumulation potential based on positive changes in one or more indexes.
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Flexibility
Universal life insurance has the potential to provide lifetime death benefit coverage. 
Protection and growth
Many universal life insurance products offer cash-value growth and access.
Optional features
Protective’s universal life insurance products offer optional riders and features to meet your clients’ precise needs.
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Options to customize coverage

Protective Custom Choice UL
Protective Custom ChoiceSM UL is a universal life policy designed for clients seeking affordable short- or long-term coverage and flexible features.
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Protective Advantage Choice UL
Protective Advantage Choice UL is a universal life policy designed for clients seeking long-term death benefit protection and flexible features.
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Protective ProClassic II UL
ProClassic IISM UL is a current-assumption universal life policy designed for clients seeking flexible death benefit protection for personal or business needs.
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Protective Executive UL
Protective® Executive UL is a current-assumption universal life insurance policy that can provide permanent, individual UL coverage to executive-level employees.
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Flexibility for clients
We offer generous grace periods to help keep clients when life happens. Share this video with your clients to explain how it works. 
Watch video
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Solutions for chronic illness
This guide provides general chronic illness information, discusses traditional payment options and shows how the chronic illness rider from Protective could be a good option for clients.
Explore the product guide
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Prepare custom materials for your clients 

A library filled with customized marketing materials is just a few clicks away. Everything you need to educate clients and grow your business. 
Visit the library
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Next steps

Get appointed
The first step to doing business with Protective is getting appointed. It’s a simple process.
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Still have questions?
For more than 100 years, we’ve helped families protect their financial futures through affordable insurance, asset protection and retirement solutions.
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Welcome to Protective

Before entering the site, please confirm that you are currently licensed to sell life insurance and/or annuities.

For Financial Professional and Plan Sponsor Use Only. Not for Use With Consumers.


Investors should carefully consider the investment objectives, risks, charges and expenses of the applicable variable universal life insurance policy and its underlying investment options before investing. This and other information is contained in the prospectuses for the applicable variable universal life insurance policy and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800.265.1545.

An indexed universal life insurance policy is not an investment in an index, is not a security or stock market investment, and does not participate in any stock or equity investments. Subject to caps and floors.