• Custom Choice Universal Life

    Affordable life insurance protection that meets your needs today, with flexibility for future needs.

  • 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.

  • Protective Custom Choice UL

    With benefits similar to term, Custom Choice UL™ offers the flexibility of a universal life policy at rates that are typically less than other types of life insurance on the market.

  • Benefits of Custom Choice UL Insurance

    Custom Choice UL offers low premiums and can cover you for life.

    Level Payments

    Level Payments

    Payments stay level for an extended period of time - usually 10, 20 or 30 years.

    Flexibility to Convert

    Flexibility to Convert

    You have the option to lock-in permanent coverage later, with a price adjustment, no matter your health.

    Coverage doesn't end

    Coverage doesn't end

    You'll maintain some coverage even beyond your initial level benefit period as long as your policy remains in force.

    Non-taxable death benefit

    Non-taxable death benefit

    Custom Choice UL pays your beneficiaries a non-taxable death benefit.

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    See how affordable life insurance can be.

  • Affordability and Flexibility

    With the Protective Custom Choice UL, a 30-year old male* could get $100,000 of life insurance coverage for 10 years for as little as $7.17 a month.

    1. Affordability

    2. Flexibility

    3. 10 to 30 year coverage periods

    4. Options to change with your needs

    5. A unique benefit at the end of the initial period

  • How does a Protective Custom Choice UL policy work?

    With a Protective Custom Choice UL policy, you select the amount of coverage you need, along with the initial level benefit period of 10 to 30 years - similar to term life. But unlike term life insurance, you have the unique options to exchange the policy for traditional permanent coverage without another medical exam, or adjust the death benefit if your needs change.**

    **Failure to make premium payment as planned may cause the policy to lose lapse protection and premiums required to restore it could be significantly higher. Refer to the policy and endorsements for complete terms, conditions and limitations.

  • Custom Choice UL offers you flexibility for the future

    10 to 30 year coverage periods

    Options to change with your needs

    A unique benefit at the end of policy

    Traditional coverage lengths are available at rates that are usually lower than competitors’ term, whole or universal products. You set the coverage period that meets your needs.

    Exchange your policy for permanent coverage within first 20 years up to age 70, without going through another medical exam. Or adjust the amount of coverage.*

    After the initial benefit period ends, premium payments remain the same while the coverage amount begins to adjust down, giving you time to maintain some coverage while you assess your needs.

    10 to 30 year coverage periods

    Traditional coverage lengths are available at rates that are usually lower than competitors’ term, whole or universal products. You set the coverage period that meets your needs.

    Options to change with your needs

    Exchange your policy for permanent coverage within first 20 years up to age 70, without going through another medical exam. Or adjust the amount of coverage.*

    A unique benefit at the end of policy

    After the initial benefit period ends, premium payments remain the same while the coverage amount begins to adjust down, giving you time to maintain some coverage while you assess your needs.

    *Coverage increases may require additional underwriting and decreases can be subject to minimums and charges after the third policy year.

  • 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.

  • The Learning Center can help you on your path to affordable coverage

    Policy Finder Policy Finder

    Not sure what you need? Our policy finder can help in 3 easy steps.

    Life Insurance Policy Finder

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    Take a minute and we'll help you calculate your insurance needs.

    Life Insurance Calculator

  • Getting a life insurance quote with Protective Life is easy!

    1. Calculate needs
    2. Get quote
    3. Submit application
    4. Complete medical exam
    5. Application review and acceptance
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