Our indexed universal life insurance solution 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 index performance.
Why recommend Protective Indexed Choice UL?
With our indexed universal life insurance solution your clients who want both protection and flexibility can enjoy these four benefits:
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 a moderate risk profile
- Is interested in additional flexible features
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
Added protection for chronic illness expenses
By adding the ExtendCareSM rider to Protective Indexed Choice UL, clients can put their policy’s death benefit to work if they experience a chronic illness. Our blended solution flyer shows how this powerful combination works.
Choices to create income for loved ones
Available at no cost, our Income Provider option lets clients decide how the death benefit on their Protective Indexed Choice UL policy will be paid to beneficiaries.
See how we stack up against the competition
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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.
Introduce clients to Protective Indexed Choice UL
Review key product features and benefits
Give your clients an introduction to indexed universal life insurance
Show clients the benefits of adding chronic illness coverage to their IUL policy
Explain how our IUL will never return a negative interest rate
Review past index values and crediting rates
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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.
¹ In California maximum issue age is 75 for Tobacco.