Protective® Lifetime Assurance

Protective%%®%% Lifetime Assurance UL offers affordable, guaranteed protection

When clients want straightforward lifetime coverage and predictable payments, Protective Lifetime Assurance UL universal life insurance could be just the right fit.

Why recommend Protective Lifetime Assurance UL?

Budget-minded clients who want long-term protection for their loved ones can enjoy these 3 benefits:

Customizable guarantee lengths

Choose the length of guaranteed coverage anywhere from ages 90–121

Predictable level-pay premiums

Lock in competitive, stable premiums at the start and maintain those rates for life

Straightforward, understandable coverage

Simple design is easy for clients to understand so they can feel confident in their policy

Client-friendly return of premium endorsement

Flexibility to access paid premiums at no added cost starting at year ten — ten years earlier than most competitors

See how this simple guaranteed solution works

Watch this client-friendly video to learn how how lifetime coverage with predictable payments can secure what matters most.

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Consider this product for a client who:

Is looking for long-term death benefit coverage
Is attracted to the affordability of term products
Wants predictable premium payments
Has a low to moderate risk profile

Key product specs

Issue ages available for 18-85, varies by risk class and state
Minimum face amount: $50,000-100,000, varies by risk class
Built-in lapse protection

Download full details

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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 Lifetime Assurance UL, clients can advance their policy's death benefit to help offset the costs of a chronic illness.

Explore ExtendCare

A woman in a hospital bed using her smartphone and smiling, knowing she is 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 Lifetime Assurance 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).

Explore Return of Premium

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 Lifetime Assurance UL policy will be paid to beneficiaries.

Explore 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 Lifetime Assurance 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 Lifetime Assurance UL

We want to help you decide if this solution is the right fit for your clients. Use these resources to learn more about this universal life insurance product and support your client conversations.