Protective Dynamic Plus Universal Life Insurance

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Protective Dynamic Plus UL offers simple, long-term protection that comes with predictable growth potential plus flexibility to adapt and accommodate clients today — and tomorrow.

Why recommend Protective Dynamic Plus UL?

This product is built to grow, designed to flex and made to protect. Offer clients who want cash value accumulation and flexibility a range of benefits that are easy to understand and simple to manage.

Predictable growth

Predictable cash growth and bonus opportunities at years 6 and 11 build cash value for future expenses.

Dependable protection

Dependable, long-term coverage with no-lapse protection and added chronic illness protection with the optional ExtendCare^SM rider.

Flexibility to adapt

Clients have the flexibility to tailor their policy premium payments and death benefits as their needs change over time.

Ease of doing business

Online, accelerated processes and a simple, straightforward design make Dynamic Plus UL easy to sell.

Consider this product for a client who:

Wants growth opportunities and long-term death benefit protection
Seeks flexible options to address future uncertainties
Has a low-to-moderate risk profile

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Key product specs

Issue ages: 0-17 (Juvenile), 18-75 (Select Preferred), 18-80 (Preferred, Non-Tobacco, Tobacco)
Minimum face amount $100,000 (all classes)
Tax-deferred growth with bonus opportunities at years 6 and 11
Flexible premium and death benefit options

Download full specs

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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 Dynamic Plus UL, clients can advance their policy’s death benefit to help offset the costs of a chronic illness.

Explore ExtendCare℠ option

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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 Dynamic Plus 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 Dynamic Plus^SM 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