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Protective Strategic Objectives II VUL

An important part of your clients’ overall financial planning, today and tomorrow

A policy that works for your clients now, and later

Protective® Strategic Objectives II Variable Universal Life is designed to provide death benefit coverage and help your clients grow tax-deferred cash value over time that they can use to supplement retirement income. And Protective’s planning program — Defined Objectives®  will help them stay on track. Protective Strategic Objectives II Variable Universal Life can be an important part of your clients’ overall financial plan for today and tomorrow.

  • Features
  • Optional benefits

Product Design

Flexible premium, variable universal life insurance for those desiring both protection and the potential for tax-deferred growth of cash value that can be used to supplement income at certain times, like during retirement.


Lapse Protection

The Lapse Protection feature ensures the policy will remain in force for up to 15 years (depending on age) regardless of policy value, provided premium requirements (net of loans and withdrawals) are met. This feature protects against the risk of policy lapse from short-term market volatility during the Lapse Protection Period.


Investment Choices

Premiums may be allocated to a Fixed Account or to a broad array of investment options

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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.


Terminal illness/accelerated death benefit endorsement

Included at no extra charge, this optional benefit can accelerate a portion of the policy’s death benefit, if the insured has a qualifying terminal illness.


ExtendCare Rider

This provides one or more accelerated death benefit payments to the owner during a 12-month period, if the insured has a qualifying chronic illness and all terms and conditions are met.

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The many benefits of working with Protective

We make working with Protective as easy as possible. Our experienced staff will assist you and your clients through every step of the policy lifecycle.
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Online tools

From marketing materials to applications, our online tools make it easy and convenient for you and your clients to discover and explore products and proceed through the application process.

Reputable company
For more than 100 years, Protective Life has been a dependable, values-driven company. We offer a broad portfolio of life and specialty insurance and investment products that provide your clients financial support when they need it most. We are dedicated to upholding the principles and values that have led to our strength and success over the last century.
Flexible solutions
We offer a complete suite of temporary and permanent life insurance policies as well as a broad portfolio of annuity solutions to fit the needs of a variety of customers. Our competitive underwriting philosophy ensures the best risk class for your cases. Find the solution that meets your client’s particular situation and needs.
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Ready to work with us?

The first step in doing business with Protective is getting appointed. Learn about our simple, three-step process.

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

 

Protective® Defined Objectives® are registered trademarks of Protective Life Insurance Company.

Variable universal life insurance policies issued by Protective Life Insurance Company (PLICO). Securities offered by Investment Distributors, Inc. (IDI), the principal underwriter for registered products issued by PLICO, its affiliate. PLICO is located in Brentwood,TN; IDI is located in Birmingham, AL.

Variable universal life insurance involves the risks of investing in stocks, bonds and other securities; market, interest rate and credit risk; and, loss of principle. If the investment performance of underlying investments is poorer than expected (or if sufficient premiums are not paid), the policy may lapse or not accumulate sufficient value to fund the intended application.

Investments in variable universal life insurance policies are subject to fees and charges from both the insurance company and the managers of underlying investments. Loans and withdrawals may negatively impact policy value, investment performance, death benefit, and any Lapse Protection.

Variable universal life insurance policy issued under policy form number VUL-15 9-19 and state variations thereof. Product features and availability may vary by state.

Investors should carefully consider the investment objectives, risks, charges and expenses of Protective® Strategic Objectives II Variable Universal Life insurance and its underlying investment options before investing. This and other information is contained in the prospectus for Protective Strategic Objectives II Variable Universal Life and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330.