Protective® Investors Benefit Advisory VUL

Protective%%®%% Investors Benefit Advisory variable universal life insurance

Diversify clients’ retirement assets and manage risk with our variable universal life solution that’s designed for your fee-based business.

Why recommend Protective Investors Benefit Advisory VUL?

When clients need a tax-advantaged investment vehicle to grow and protect retirement assets, our VUL delivers these benefits for their portfolios and your business.

Fee-based design

Built with RIAs in mind, this solution offers no commissions, no surrender charges and lower-cost funds

Seamless portfolio management

Integrative technology allows it to be managed alongside all investments in a client's portfolio

Tax-advantaged investing

Support a holistic portfolio by growing tax-deferred cash value and diversifying taxes in retirement

Consider this product for a client who:

Needs a tax-advantaged solution to mitigate tax risk
Is maxing out other investment vehicles like an IRA or 401k
Wants maximum accumulation potential for use in retirement or another goal
Is affluent and has a higher risk tolerance

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Key product specs

Minimal fee drag with no commissions and no surrender charges
Lower-cost, high quality fund lineup
Issue ages available for 0-80, varies by risk class
Minimum face amount: $100,000

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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 Investors Benefit Advisory VUL, clients can advance their policy's death benefit to help offset the costs of a chronic illness.

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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 Investors Benefit Advisory VUL policy will be paid to beneficiaries.

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Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor Protective Investors Benefit Advisory VUL 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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Clients review investment options with their financial professional.

Investing with Protective Investors Benefit Advisory VUL

Help clients diversify their retirement strategies with access to a competitive investment lineup and a choice of approaches to align with their goals. Our dedicated page provides complete details on how to invest using this solution.

Explore investing opportunities

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Helpful resources on Protective Investors Benefit Advisory VUL

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