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Variable life insurance offers the lifetime protection of a permanent* life insurance policy with the potential to earn cash value based on the performance of your selected investment options.
*As long as required premium payments are timely made.
We offer a variety of life insurance policies from which to choose. For more information on variable life insurance policy options - or other types of life insurance - give us a call at 1-844-733-5433 and talk with a Protective Life Agent.
Variable Universal Life (VUL) insurance from Protective offers financial protection for your beneficiaries with the potential for tax-deferred cash value growth.
With variable universal life, a portion of your premium is allocated to the investment options offered through the policy, based on your risk tolerance and goals. The difference between variable universal life and other types of universal life is essentially the ability to choose investment options and the potential for cash value growth along with increased risk.
Variable universal life is often good for people who:
Variable universal life typically provides a minimum guaranteed death benefit that won’t decrease as long as you make the required premium payments and repay any outstanding loan balances.
With variable universal life, you can use cash value growth to make premium payments. However, should your investments lose value, the necessary premium could increase.
Variable universal life offers a range of investment options to match your goals and risk tolerance. Cash value grows tax-deferred, and can be used to pay premiums or to borrow against for other financial needs.*
* Accessing a policy’s cash value through loans or partial surrenders will reduce both death benefit and cash value, can contribute to policy lapse, and may result in a tax liability if the policy terminates during the lifetime of the insured.
Variable universal life insurance combines the core benefit of life insurance – protection for beneficiaries through an income-tax free death benefit – with significant flexibility for those willing to accept market risk.
At Protective Life, we recognize that everyone has different financial needs. Whether you’re interested in variable life insurance or another type of permanent insurance, we offer a variety of life insurance policies from which to choose. For more information give us a call at 1-844-733-5433 and talk with a Protective Life Agent.
Variable universal life insurance allocates a portion of the premium payments into the insurer’s variable separate account to offer the potential for even greater cash value accumulation. Investments in the separate are subject to market risk.
What is Variable Life Insurance?
3 Benefits of Variable Life
Flexible Life Insurance Policies
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Variable universal life insurance involves the risk of investing in the stock market, including market risk and the potential loss of principal. That why it’s important you understand your policy and its risks before you commit to variable universal life insurance.
If investments underperform (or if sufficient premiums are not paid), the policy may lapse or not accumulate sufficient value to maintain the policy.
Investments in variable universal life insurance policies are subject to fees and charges from both the insurance company and the managers of underlying investments. You’ll find this and other information in the prospectuses for variable universal life insurance policies and their underlying investment options.
Investors should read the prospectuses carefully before investing. To understand Protective’s VUL options and read a prospectus, call us at 800.456.6330.
VUL policies are considered securities contracts and are regulated by federal laws and must be sold with a prospectus.
Variable Universal Life Insurance can be complicated. But we’re happy to work with you to explore the options and see if a VUL policy from Protective can meet your needs.
“We've been insured by Protective Life for many years and have always been treated professionally and fairly.”
“Who has time to think about life insurance? I bought it and need it to be there but I don't want any hassle. Send me my bill and pay the claim, god forbid anything ever happens.”
“Bought this product a year ago and been pleased with it so far.”
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. Both companies are located in Birmingham, AL.
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.
Neither Protective Life nor its representatives offer legal or tax advice. Purchasers should consult with their legal or tax advisor regarding their individual situations before making any tax-related decisions. 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.