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Custom Choice Universal Life

Affordable life insurance protection that meets your needs today with flexibility for future needs. With benefits similar to term, Custom Choice℠ UL offers the flexibility of a universal life policy. Learn more about universal life. Call us at 1-844-733-5433.
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Benefits of Custom Choice UL Insurance

Low premiums
Custom Choice UL offers low premiums and can cover you for life.
Level payments
Payments stay level for an extended period of time — usually 10, 20 or 30 years.
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
You'll maintain some coverage even beyond your initial level benefit period as long as your policy remains in force.
Non-taxable death benefit
Custom Choice UL pays your beneficiaries a non-taxable death benefit.
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 $7.46 a month.

  • Affordability
  • Flexibility
  • 10 to 30 year coverage periods
  • Options to change with your needs
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*Select Preferred non-tobacco underwriting class. Rates are effective as of 4/1/19 and are subject to change without notice.
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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. You have the option 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
Traditional coverage lengths are available. You set the coverage period that meets your needs.
**Options to change with your needs
Exchange your policy for permanent coverage within the 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, until it reaches $10,000 at which time premiums begin to increase.
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Get a term life quote

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

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Resources for you

The Learning Center can help you on your path to affordable coverage.
Learn more
Tips for buying life insurance
Policy finder

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

Calculate needs

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

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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

* The monthly premium example is for a Protective Custom Choice Universal Life Insurance policy with a $100,000 death benefit for a 30-year-old male insured, Select Preferred underwriting class, with a 10-year guaranteed initial level benefit period. Premiums and face amounts listed are for the initial level benefit period. The level premium period may be extended beyond the initial level benefit period, however the face amount will begin to decrease annually until it reaches $10,000, at which point premiums will begin to increase.


Different planned premium frequencies will require different total annual premium amounts. More frequent planned premiums will typically require higher premium payments to be made. Actual results will vary based on a variety of factors including age, gender, health and other underwriting factors.


Protective Custom Choice UL (UL-22) 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. All payments and all guarantees are subject to the claims-paying ability of Protective Life Insurance Company. The tax treatment of life insurance is subject to change. Neither Protective Life nor its representatives offer legal or tax advice. Please consult with your legal or tax adviser regarding your individual situation before making any tax-related decisions.


Protective® Classic Choice Term (ICC16-TL21 / TL-21) is a term life insurance policy issued by Protective Life Insurance Company, Brentwood, TN. 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.

 

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