Protective® Strategic Objectives II VUL

Protective%%®%% Strategic Objectives II VUL

When your clients need powerful cash value growth potential to fund a future goal and the protection benefits of life insurance, help them secure both with this variable universal life insurance policy.

Why recommend Protective Strategic Objectives II VUL?

The growth and protection benefits available with Protective Strategic Objectives II VUL work in combination to help clients achieve their goals.

Unrestricted growth potential

Support accumulation-focused clients by freeing them from the cost of a no-lapse guarantee that could limit growth potential.

14 extra years of growth

Offer clients additional growth sooner with a policy persistency bonus that kicks in at year 7 — not at year 21.

Flexible protection for the long term

Customize protection with a choice of death benefit options and ExtendCare℠ rider, which provides access to funds in the case of a qualifying chronic illness.

Tailored lapse protection

Safeguard death benefits with built-in lapse protection for short-term needs and an optional rider offering customized guarantees up to age 121.¹

Find out how our VUL brings clients closer to their goals

View this short video to see how Protective Strategic Objectives II VUL's growth and protection features work and help clients reach their goals.

A policyholder feeling secure with his new life insurance policy.

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Consider this product for a client who:

Is affluent and wants to plan for retirement
Has maxed out their IRA or 401k contributions
Is looking for death benefit coverage and tax deferred growth
Wants to maximize cash value and is OK with risk

An older couple reviewing life insurance product specs.

Key product specs

Issue ages available for 0-80, varies by risk class
Minimum face amount: $100,000
World-class investment management
Dollar cost averaging and portfolio rebalancing
Built-in and optional extended lapse-protection guarantees

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Added protection for chronic illness expenses

Preparing for the unexpected can go beyond offering life insurance protection alone. By adding the ExtendCare^SM rider to Protective Strategic Objectives II VUL, clients can advance their policy's death benefit to help offset the costs of a chronic illness.

Explore ExtendCare

Couple review the Riders and Endorsements Guide on a laptop in their kitchen

Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor a Protective Strategic Objectives II VUL 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

Investing with Protective Strategic Objectives II VUL

Investing with Protective Strategic Objectives II VUL allows clients to leverage our curated investment lineup designed to reduce risk and maintain strong growth potential. They'll also have the freedom to pursue growth goals without fund allocation restrictions.

Explore investing with our VUL

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Discover the optional riders available with Protective Strategic Objectives II VUL

Offer clients additional protection, growth and flexibility with these optional riders.

Woman with a chronic illness smiles as her doctor shares treatment options.

Chronic illness protection

Prepare clients for potential chronic illness costs with the optional ExtendCare^SM rider, offering early access to their death benefit.

Tailor benefit payout amounts
Receive benefit without submitting bills
Waive premiums after three consecutive years of a chronic illness

Extended lapse protection

Safeguard death benefits long-term with the optional Extended No- Lapse Guarantee rider.

Tailor guarantees up to age 121
Maintain investment flexibility to support growth goals
Remove the rider at any time if needs change

Steve, age 50, is happy with how our VUL can support the goals he has for his small business and retirement.

See how this VUL supports multiple goals

Steve wants to protect his family and business with life insurance. He wants tax-favored growth and to hedge against potential chronic illness costs. Steve purchases a $1 million policy with a $1,009.50 monthly premium and adds two optional riders. Here are the results:

At age 70, he achieves $198,473 in cash surrender value, supporting both his business and retirement goals.
Adding the Extended No-Lapse Guarantee rider keeps the policy active, preserving the death benefit to his selected age of 100.
Adding the ExtendCare rider allows early access to the death benefit if he s diagnosed with a chronic illness.

Helpful resources on Protective Strategic Objectives II 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 client conversations.