Protective Advantage Choice

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.

Why recommend Protective Advantage Choice UL?

Your clients who want long-term protection with added flexibility can enjoy these 3 benefits:

Strong guarantees

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

Flexible premium options

Choice of level premiums for life, a certain period or adjusted with expected income

Cash value potential

Grows tax deferred and can be accessed for future expenses or unexpected costs

Client-friendly return of premium endorsement

Flexibility to access paid premiums in the future at no added cost

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

A married couple reviewing life insurance options with their financial professional.

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 protection for chronic illness expenses

Preparing clients for the unexpected can go beyond offering life insurance protection alone. By adding the ExtendCare^SM rider to Protective Advantage Choice UL, clients can advance their policy’s death benefit to help offset the costs of a chronic illness.

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A woman using her smartphone in a hospital bed, smiling because she's protected with the ExtendCare rider.

Give clients access to paid premiums, if needed

Sometimes the unexpected happens and clients need extra cash. With our no-cost Return of Premium endorsement on Protective Advantage Choice UL, they can access all or part of their paid premiums in the future (as long as they are willing to fully surrender their policy).

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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 Advantage Choice policy will be paid to beneficiaries.

Explore Income Provider Option

A couple enjoying a boat ride knowing their wishes are protected with the Income Provider Option.

Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor a Protective Advantage 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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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 this universal life insurance product and support your client conversations.