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:
Get a quick profile of Protective Advantage Choice UL Universal life insurance and its flexible features.
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
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
Added protection for chronic illness expenses
Preparing clients for the unexpected can go beyond offering life insurance protection alone. By adding the ExtendCareSM rider to Protective Advantage Choice UL, clients can advance their policy’s death benefit to help offset the costs of a chronic illness.
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).
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.
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.
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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 All scenarios assume Male, Age 60, Standard Non-Tobacco, $1,000,000 death benefit, Guarantee to age 100, Skipped Premiums in Years 11 and 21.