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Help growth-focused clients weigh their options
August 1, 2023
Exploring life insurance options with your clients not only makes them feel more confident in their final choice, but it’s also a way for you to provide more value and grow your business.
Whether you’re discussing life insurance options with a new prospect or long-time client, there’s no such thing as one-size-fits-all. The best way to add value is to provide options so your client can make a confident, informed decision about which solution fits best.

Compare different types of universal life insurance

Traditional universal life insurance (UL)
Typically offers cash value growth potential, flexible premium payments and death benefit coverage.
Indexed universal life insurance (IUL)
Help clients reach their goals with guaranteed death benefit protection and cash value growth potential based on market performance.
Variable universal life insurance (VUL)
Similar to indexed universal life insurance, but premium payments can be allocated among different investment options to offer the potential for even greater cash value accumulation.

Providing clients with more than one option can help you build trust. Here’s how:

  • Clients feel a greater sense of freedom and autonomy when they’re presented with more options.
  • Having considered more possibilities, clients believe they’re less likely to feel regret over a missed opportunity.
  • Multiple choices give clients a sense of control to make a more confident, informed decision.
  • More options mean there’s a better chance clients will find a solution to align with their specific needs, wants and preferences.
  • Offering several choices may create the impression that your client has access to a wider range of high-quality products.

By comparing the full spectrum of options, the right solution becomes clearer. When clients feel confident that they’re choosing a customized solution that fits into their overall financial plan based on cost-effectiveness, coverage needs, goals and risk tolerance, everyone wins.

When your client is striving for accumulation and they have a higher risk tolerance, you might recommend Protective® Strategic Objectives II VUL. If they’re looking for cost-effective permanent protection and modest growth potential, our UL solutions can be a great fit.

With a product for every need, you can count on Protective to be your one-stop-shop. Offer more solutions designed to meet your client’s goals — explore our full portfolio of protection solutions now.

We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. 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.