Protective® Custom Choice UL

Protective Custom Choice%%SM%% UL offers flexible short-term coverage

Offer clients protection for as long as they choose with premiums that stay the same even after the initial benefit period ends. The amount of universal life insurance coverage will decrease instead, likely in step with their changing needs.

Why recommend Protective Custom Choice UL?

Your clients who want affordable short-term universal life insurance coverage with flexible options can enjoy these 3 benefits:

Level premiums after the initial term period ends

Clients stay covered for the same cost, as the death benefit decreases

Flexible premium payments

Choices in premium payments helps clients plan around other expenses

Strong conversion options

Convert to a permanent solution during policy years 2-20 to cover any protection gaps

See how this flexible short-term solution works

Clients can choose how long they want their coverage to last at an initial level benefit period of 10-30 years. After this period ends, their premium payment stays the same and their guaranteed death benefit decreases instead.

A graphic showing how Protective Custom Choice UL works

Consider this product for a client who:

Has short-term coverage needs
Wants flexibility and customizable options
May have a young family and a mortgage or other debts
Wants inexpensive premiums

Key product specs

Coverage lengths available for 10-30 year plans
Issue ages vary by plan and risk class
Minimum face amount: $100,000; after initial level benefit period: $10,000
Flexible premium payment options

Download full details

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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 Custom Choice UL policy will be paid to beneficiaries. Explore the Income Provider Option.

A middle aged couple enjoys 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 Custom 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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A financial professional discussing life insurance with her client.

Help clients choose the right short-term solution for their goals

In addition to Protective Custom Choice UL, we also offer a term life insurance solution to meet clients’ short-term protection needs. Share this comparison brochure with clients to help them choose the right fit.

Download brochure

See term solution