Protective Advantage Choice℠ UL

Protective Advantage Choice%%SM%% UL offers flexible lifetime protection

Some clients need more from their life insurance than just a death benefit. Protective Advantage Choice UL offers lifetime protection plus flexible features and potential cash value accumulation.

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Why recommend Protective Advantage Choice UL?

Your clients who want long-term protection with added flexibility can enjoy these three benefits:

Strong guarantees

Death benefit protection can be guaranteed up to the client’s lifetime.

Return of premium endorsement

Built into every Protective Advantage Choice UL policy, this feature allows clients to get all or part of their premiums back later in life.

Cash value potential

The policy’s cash value grows tax deferred, which clients can access for future expenses or unexpected costs.

Built-in flexibility for life’s twists and turns

Show clients the value of getting their premiums paid back to cover future goals and expenses. This flyer shows them how our no-cost return of premium endorsement can work in real life.

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Consider this product for a client who:

Wants a lifetime death benefit
Seeks flexible options to address life’s uncertainties
Is a low to moderate risk profile

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Key product specs

Issue ages: 18-75 for Select Preferred; 18-85 for Preferred, Non-Tobacco and Tobacco risk classes. State variations may apply.
Minimum face amount: $50,000 for Non-Tobacco and Tobacco; $100,000 for Select Preferred and Preferred. No maximum.
Premium flexibility
Tax-deferred growth

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Ideal clients for Protective Advantage Choice UL universal life insurance.

Added flexibility for the future

Our built-in return of premium endorsement allows clients to get 25% of their premiums paid back to them on or after the policy’s 10th anniversary. This adds 10 more years of flexibility compared to most competitors. Take a look at our Return of Premium Guide to learn more.

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Helpful resources on Protective Advantage Choice UL

We want to help you decide if Protective Advantage Choice UL is the right fit for your clients. Use these resources to learn more about the product and support your client conversations.