Protective Indexed Choice℠ UL Life Insurance

Protective Indexed Choice%%SM%% UL for protection plus cash value

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 performance.

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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:

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 built-in Return of Premium endorsement and optional ExtendCare℠ chronic illness rider add flexibility and value.

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Get current crediting rates

Reviewing previous rates can help you understand how this indexed universal life insurance solution could grow cash value over time. Take a look at this flyer for a full list of actual historical indexed crediting rates.

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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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An IUL that delivers what's expected

You can feel confident recommending our indexed universal life insurance solution because it’s built to perform as your clients expect. Read this flyer to see why.

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Consider this product for a client who:

Is looking for death benefit protection with cash value growth opportunities
Wants a long-term protection product
Moderate risk profile
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

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Added flexibility for the future

Our ExtendCare rider can give clients added flexibility and protection in case they experience an unexpected chronic illness. View our Riders and Endorsement Guide to learn more about the optional benefits clients can add to their policy for extra protection and value.

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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.