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Indexed universal life offers protection plus market-linked growth potential

Indexed universal life insurance (IUL) can help customers secure their goals with guaranteed protection, plus market-linked cash value growth potential they can access during their lifetime. 

Why offer indexed universal life insurance?

Customers who want permanent protection plus growth potential will enjoy these benefits: 
Coverage that lasts a lifetime
Guaranteed death benefit coverage can protect customers’ loved ones for the long term.
Flexible premium options
Premium choices are offered for a variety of protection scenarios.
Cash value potential
Index-linked cash value growth potential can be accessed during their lifetime to cover planned or unexpected expenses.
Extras for additional flexibility
Optional and built-in features give them more choices to protect their goals now and down the road.
See how an IUL works
Look below for a helpful guide to how an IUL works and use our Indexed Universal Life 101 flyer to help your customers understand it, too.
A graphic showing how an indexed universal life insurance policy works.
A husband and wife using a table to review information about indexed universal life insurance.
Consider indexed universal life for a customer who has:
  • Long-term protection and death benefit coverage needs
  • A moderate risk profile and wants cash value growth potential
  • A willingness to pay flexible premiums in more complex case designs
  • A desire to access extras like chronic illness coverage
Recommend our IUL when customers want protection plus cash value
Protective Indexed Choice℠ UL can protect customers’ goals while offering flexibility to adapt to life’s changes – including the opportunity to grow and access cash value that’s linked to market performance. 
A financial professional shaking hands with a woman and her husband after securing indexed universal life insurance coverage for them.

Other related products

A family taking photos and smiling, knowing they are protected with term life insurance.
Term life offers simple, affordable protection for a certain time
A woman smiling knowing she is protected with universal life insurance.
Universal life offers flexible protection for a lifetime
A grandmother, mother and child enjoying time together, knowing they are protected with life insurance from Protective
Life insurance protection your customer can count on

We’re here for you

Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security customers deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.

¹ If a loan is taken out against the cash value, you must repay it or any outstanding loans will be deducted from the death benefit.