Protective ProClassic II Universal Life Insurance

Protective ProClassic II%%SM%% offers flexible death benefit protection

Life can change. With its adjustable premiums, Protective ProClassic II UL will ensure your clients will always have the affordable death benefit protection they need and the potential for cash value accumulation.

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Why recommend Protective ProClassic II UL?

Your clients who want affordable, flexible death benefit protection can enjoy these three benefits:

Flexible death benefit coverage

The death benefit amount may be adjusted, within the plan limits, without having to buy a new, separate policy.

Flexible premium options

Flexible premium options can be adjusted as life changes.

Cash value accumulation

Potential for cash-value accumulation which clients can access for future expenses or unexpected costs.

Consider this product for a client who

Wants a potential death benefit to cover final expenses like funeral costs
Needs flexible premium options for fluctuating incomes
Seeks potential for cash value growth
Prefers built-in lapse protection endorsement

Couple looking relaxed knowing they're protected by Protective ProClassic II universal life insurance.

Key product specs

Issue ages 0-75
Lapse protection period ranges between 10 and 15 years
2 death benefit options available
5 riders available for customization

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ExtendCare%%TM%% Rider

ExtendCare is an optional rider that allows your clients to advance their ProClassic II policy’s death benefit to use for any potential chronic illness needs.

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Income Provider Option

The Income Provider Option is an optional, no-cost life insurance endorsement that can be added to a ProClassic II policy. It allows the insured to decide how their death benefit will be paid.

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Added flexibility for the future

Our riders and optional benefits give clients more flexibility and value with their life insurance policy. Use our Riders and Endorsements Guide to show clients all of their options.

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