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 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:

Guaranteed death benefit

Financial security is there when it’s needed most

Realistic cash value projections

Build confidence with market-linked growth and realistic illustration rates

Simple, flexible design

Easy to understand now and easy to adjust down the road

Supplemental living benefits

Optional rider can help offset the costs of an expected chronic illness

See how our straightforward IUL works

Watch this client-friendly video to learn how Protective Indexed Choice UL delivers a combination of death benefit protection and the potential to grow and access cash value.

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A financial professional recommending indexed universal life insurance to her client.

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
Has a 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

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Added protection for chronic illness expenses

By adding the ExtendCare^SM 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.

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Explore ExtendCare

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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.

Explore Income Provider Option

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Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor a Protective Indexed Choice UL policy to protect the unique goals of every client. Our client friendly Riders and Endorsements Guide can help you introduce each of the benefits available.

Download complete guide

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Stretch the value of Protective Indexed Choice UL even further

See how adding the ExtendCare rider and Income Provider Option to a policy gives clients chronic illness protection while living and creates a beneficiary income stream after they pass – all in one blended solution.

A chart showing the benefits of adding chronic illness protection and the Income Provider Option to a Protective Indexed Choice UL policy.

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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.