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Protective Custom Choice UL

A universal life policy designed for clients seeking affordable short-term coverage with flexible features.


Offer clients protection and flexibility in their affordable coverage

For clients who favor flexibility, look no further than Protective Custom ChoiceSM UL (10-30). After the initial benefit period, your clients can continue their coverage for the same premium while their death benefit begins to decrease. Your clients will have conversion options to our permanent products during policy years two through 20 up to age 70, without proof of underwriting. 

Identifying the right clients for Protective Custom Choice UL

Protective Custom Choice UL from Protective Life can be ideal for clients that are seeking flexibility and shorter duration coverage. Consider sharing this product with your clients who meet one or more of the following criteria.

  • Need an affordable solution for short-duration life insurance coverage ranging from 10 – 30 years
  • Want flexible features including level premiums after the initial death benefit period
  • Like the option of evidence-free exchanges for the first 20 years (up to age 70)
  • Interested in guaranteed beneficiary income with Income Provider Option
  • Need a policy that accepts lump sum payments and 1035 exchanges into the policy.
  • Features
  • Optional Benefits


Affordable solution for short-duration life insurance coverage ranging from 10 – 30 years.


Your clients will have a level death benefit for a specified period of time, after which coverage amount begins to decrease.

Death benefit coverage

The death benefit is non-taxable and paid directly to your client’s beneficiaries. Clients also have the option of adjusting their death benefit amount without having to buy a new, separate policy if needs change.

Lapse protection endorsement

Built-in lapse protection can guarantee death benefit coverage up to the lifetime of the insured based on premiums paid and the formulas described in the Lapse Protection Endorsement.

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Accidental death benefit rider

This rider can provide coverage that pays an additional death benefit if the insured dies as the result of an accident as described/outlined in the rider.

Children’s term rider

Rider that provides death benefit protection for all natural, adopted and stepchildren within age limits.

Waiver of specified premium

Premiums are waived if you become disabled, with a six-month elimination period before the waiver benefit takes effect.

Income provider option

Select a guaranteed monthly or annual income stream for the death benefit payout.

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Additional sales resources

Access the tools you need to grow your business.

Tools and calculators
Access to a variety of tools, illustration and quoting systems and calculators to help you with your day-to-day business with clients.
Life needs analysis
Share this worksheet with your clients to help them estimate the right amount of life insurance coverage.
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Prepare custom materials for your clients

A library filled with customized marketing materials is just a few clicks away. Access everything you need to educate clients and grow your business. 
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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. We can help you create the right product portfolio for your clients' needs.

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

Protective Custom Choice UL (UL-22) is a universal life insurance policy issued by Protective Life Insurance Company, Nashville, TN. Policy form numbers, product features and availability may vary by state. Consult policy 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.

Protective is a registered trademark and Custom Choice is a trademark of Protective Life Insurance Company.