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Protective Indexed Choice%%SM%% UL

Our IUL can protect your clients’ goals while offering flexibility to adapt to life’s changes — including the opportunity to grow and access cash value that’s linked to market performance.

Why recommend Protective Indexed Choice UL?

Your clients who want both protection and flexibility can enjoy these four benefits:
Guaranteed death benefit
They have support when it’s needed most.
Realistic cash value projections
Clients can feel confident about their potential for cash value accumulation over the years with market-linked growth and realistic illustration rates.
Simple, flexible design
They can understand how their policy works before they sign the paperwork and can adjust coverage and premiums down the road.
Supplemental living benefits
Our optional ExtendCareSM chronic illness rider adds flexibility and value.
Offer clients protection and cash value with our IUL
Show clients this video to help explain how Protective Indexed Choice UL is designed to offer them a combination of death benefit protection and the potential to grow and access cash value.
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Product snapshot

Get a quick profile of Protective Indexed Choice UL and its combination of protection plus cash value potential.

Consider this product for a client who:

  • Is looking for death benefit protection with cash value growth opportunities
  • Wants a long-term protection product
  • Has moderate risk profile
  • Is interested in additional flexible features
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Key product specs

  • Issue ages available for 0-80, varies by risk class and state1
  • Minimum face amount: $100,000
  • Death benefit options: Option A (Level) and Option B (Increasing)
  • Cash value accumulation
  • Built-in lapse protection
  • 1035 exchanges allowed
Download full details
An older couple reviewing the specs for Protective Indexed Choice UL Universal life insurance.

Explore all optional and built-in benefits

Your clients have choices when selecting optional riders and using built-in endorsements to tailor their Protective Indexed Choice UL policy. Our client-friendly Riders and Endorsements guide can help you introduce each of the available benefits.
Download complete guide
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An illustration representing indexed universal life insurance crediting rates.
Get current crediting rates
Reviewing previous rates can help you understand how this solution could grow cash value over time. Take a look at this flyer for a full list of actual historical indexed crediting rates.
Download historical rates

Helpful resources on Protective Indexed Choice UL

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.
The cover of the Protective Indexed Choice UL Universal life insurance product profile.
Introduce Protective Indexed Choice UL to clients
Download product guide
Cover of Protective Indexed Choice UL Producer Guide
Review key product features and benefits

Download producer guide
The cover of the Protective Indexed UL Universal Life Insurance 101 flyer.
Give clients an introduction to indexed universal life insurance
Download IUL 101
The cover of the Protective Indexed Choice UL Universal life insurance powerful combination consumer flyer.
Show the benefits of adding chronic illness coverage to an IUL policy
Download blended strategy
The cover of the Protective Indexed Choice UL Universal life insurance growth and protection flyer.
Explain how our IUL will never return a negative interest rate
Download 0% floor flyer

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We’re here for you

We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
Contact us

Welcome to Protective

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1 In California maximum issue age is 75 for Tobacco.

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