Protective® Strategic Objectives II VUL

Protective%%®%% Strategic Objectives II VUL for clients seeking strong accumulation potential

When your clients need powerful cash value growth potential to fund a future goal and the protection benefits of life insurance, help them secure both with this variable universal life insurance policy.

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Why recommend Protective Strategic Objectives II VUL?

The growth and protection benefits available with Protective Strategic Objectives II VUL work in combination to help clients achieve their goals.

Unrestricted growth potential

Support accumulation-focused clients by freeing them from the cost of a no-lapse guarantee that could limit growth potential.

14 extra years of growth

Offer clients additional growth sooner with a policy persistency bonus that kicks in at year 7 — not at year 21.

Added flexible protection for the long term

Customize protection with a choice of death benefit options and ExtendCare℠ rider, which provides access to funds in the case of a qualifying chronic illness.

Built-in lapse protection

Help ensure the policy and death benefit remain active even amid short-term market volatility during the early years of a policy.¹

Find out how our VUL brings clients closer to their goals

View this short video to see how Protective Strategic Objectives II VUL's growth and protection features work and help clients reach their goals.

A policyholder feeling secure with his new life insurance policy.

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Consider this product for a client who:

Is affluent and wants to plan for retirement.
Has maxed out other investment options like an IRA or 401k.
Needs a tax-deferred solution to house some of their investments.
Wants death benefit coverage and maximum cash accumulation potential.
Has a higher risk tolerance.

An older couple reviewing life insurance product specs.

Key product specs

Issue ages available for 0-80, varies by risk class
Minimum face amount: $100,000
World-class investment management
Dollar cost averaging and portfolio rebalancing
Built-in lapse protection

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Added protection for chronic illness expenses

Preparing for the unexpected can go beyond offering life insurance protection alone. By adding the ExtendCare^SM rider to Protective Strategic Objectives II VUL, clients can advance their policy's death benefit to help offset the costs of a chronic illness.

Explore ExtendCare

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Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor a Protective Strategic Objectives II VUL policy to protect the unique goals of every client. Our client-friendly Riders and Endorsements Guide can help you introduce each of the benefits available.

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Strong growth backed by competitive investment options

Investing with Protective Strategic Objectives II VUL allows clients to leverage our competitive investment lineup. We also offer a choice of allocation approaches to support you in customizing client portfolios based on their goals and preferences. Our investment page has all the details.

Explore investing with our VUL

Couple representing Protective Strategic Objectives II VUL policy owners happily embrace on the beach.

Steve, age 50, is happy with how our VUL can support the goals he has for his small business and retirement.

Protective Strategic Objective II VUL supports the multiple goals of this client

Steve wants a tax-favorable cash accumulation and financial protection for his business and family. He also wants to hedge against the cost of a chronic illness. Steve plans to invest $10,180 annually into his policy. By year 20, he’ll have $222,498 in cash surrender value to supplement his business and retirement. Adding the ExtendCare Rider allows Steve to accelerate his death benefit should a chronic illness occur.

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Helpful resources on Protective Strategic Objectives II VUL

We want to help you decide if this solution is the right fit for your clients. Use these resources to learn more about the product and support your client conversations.