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Universal life insurance is a type of permanent life insurance policy that offers financial protection for the people you love and the potential to earn cash value over time.
For more information on life insurance options, give us a call at 1-844-733-5433 and talk with a Protective Life Agent, or get a free online quote for The Protective® Classic Choice Term life policy right now.
A universal life insurance policy from Protective provides coverage for a lifetime and typically offers the potential for cash value growth. Find out how a universal life policy from Protective can benefit you.
It’s the flexibility of universal life insurance that attracts many people to this type of policy.
Universal life insurance provides flexibility in your premium payments, flexibility in the use of any cash value within the policy, and ultimately, flexibility in the death benefit.
*Permanent coverage continues as long as required premium payments are made on time.
**Withdrawals and loans will reduce the cash value and death benefit of the policy.
If your answer to these questions is “yes,” then you might want to consider a universal life policy. But universal life insurance comes in a variety of types. Below is a quick overview of the different types of universal life insurance.
*Loans and withdrawals will reduce the cash value and death benefit of the policy.
What is Universal Life Insurance?
Flexibility of a Universal Life Policy
Whole vs. Universal Life Insurance
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For more information on life insurance options, give us a call at 1-844-733-5433 and talk with a Protective Life Agent.
Or if you’re looking for coverage from 10-30 years, consider a Protective Classic Choice® Term Life policy. Get a fast, free quote now.
“This has been a great company to work with over the years.”
“I bought this life policy for my wife last year. The process was so easy to follow. Price was very affordable.”
“I purchased this policy about 25 years ago because I needed some coverage to satisfy my child support requirement in the event of my premature death...”
Protective® Classic Choice Term (ICC16-TL21 / TL-21) is a term life insurance policy issued by Protective Life Insurance Company, Birmingham AL. Premiums increase annually after the initial guaranteed premium period. Not available in New York. Policy form numbers, product features and availability may vary by state. Consult policy for benefits, riders, limitations, and exclusions. There are no cash values. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. Any quote that is present is only an estimate and the actual premium and rate class will be determined after the underwriting process is completed. Neither Protective Life nor its representatives offer legal or tax advice. You should consult your attorney or tax advisor regarding your individual situation. The Company cannot increase the premium scale. All payments and all guarantees are subject to the claims paying ability of Protective Life Insurance Company.
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.