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Protective ProClassic II UL

Protective ProClassic IISM UL is a current assumption universal life insurance policy designed for clients seeking flexible death benefit protection for personal or business needs with flexible premiums as life changes over time. It also offers cash value accumulation potential.
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Identifying the right client for this product

Protective ProClassic II UL from Protective Life can be ideal for clients that are seeking long-term coverage and strong guarantees for competitive premiums. Consider sharing this product with your clients who meet one or more of the following criteria.

  • Desire the option of decreasing their death benefit amount without having to buy a new, separate policy if their needs change
  • Could benefit from flexible premium payments when policy factors allow
  • Want cash-value accumulation that can be used for future expenses or unexpected costs
  • Features
  • Optional benefits

Death benefit protection

The death benefit amount may be adjusted, within plan limits. This product offers clients two death benefit coverage options.


Terminal illness accelerated death benefit

This benefit allows the early payment of up to 60% of the death benefit, not to exceed $1M, if the insured has a qualifying terminal illness and meets certain terms and conditions within this benefit.


Catch-up option

If lapse protection is lost, your clients may restore lapse protection by paying additional or higher premiums.

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Accidental death benefit rider

Provides extra life insurance coverage and increases the death benefit paid to your client’s beneficiaries if their death results from an accident.


Children’s term rider

Provides death benefit protection for all natural, adopted, stepchildren and future children ages 15 days through 18 years at the time your client’s policy is issued.


ExtendCare rider

Advances a portion of the base policy’s death benefit if the insured is certified by a licensed health practitioner with the past 12 months as chronically ill as defined in the contract.


Income provider option

Allows policy owner to select a guaranteed monthly or annual income stream for the death benefit payout. Policy owners can also choose an additional lump sum payout.

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More sales resources

Access the tools you need to grow your business.

Education and prospecting materials
Find product specific and general life insurance educational materials to share with your clients.
Marketing materials
Find customizable marketing tools to help your clients understand life insurance.
Illustrations
Special software is available so you can run illustrations and hypotheticals for life insurance and annuity products.
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Prepare custom materials for your clients 

Protective makes it easy to custom brand educational materials to share with your clients. Explore our library of brochures, videos and educational materials on permanent life insurance solutions and help your clients identify the product that best meets their needs.
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Next steps

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

For financial professional use only. Not for use with consumers.

 

ProClassic II UL (UL-25) is a universal life insurance policy issued by Protective Life Insurance Company, Brentwood, TN. 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.

Protective is a registered trademark of Protective Life Insurance Company and ProClassic II is a trademark of Protective Life Insurance Company