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Protective Indexed Choice%%SM%% UL for protection plus cash value

Our IUL 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.
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Why recommend Protective Indexed Choice UL?

Customers who want both protection and flexibility can enjoy these four benefits:
Guaranteed death benefit
They have support when it’s needed most.
Realistic cash value projections
Customers can feel confident about their potential for cash value accumulation over the years with market-linked growth and realistic illustration rates.
Simple, flexible design
They can understand how their policy works before they sign the paperwork and can adjust coverage and premiums down the road.
Supplemental living benefits
Our built-in Return of Premium endorsement and optional ExtendCare℠ chronic illness rider add flexibility and value.
Offer customers protection and cash value with our IUL
Show customers this video to help explain how Protective Indexed Choice UL is designed to offer them a combination of death benefit protection and the potential to grow and access cash value.
A still frame from a video about Protective Indexed Choice universal life insurance.
A financial professional recommending indexed universal life insurance to her client.
An IUL that delivers what's expected
You can feel confident recommending our IUL because it’s built to perform as customers expect. Read this flyer to see why.
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Product snapshot

Get a quick profile of Protective Indexed Choice UL and its combination of protection plus cash value potential.

Consider this product for a customer who:

  • Is looking for death benefit protection with cash value growth opportunities
  • Wants a long-term protection product with additional flexible features
  • Is a retiree or empty nester with older or independent children
  • May be affluent with a moderate risk profile
A financial professional shaking hands with clients after purchasing Protective Indexed Choice UL universal life insurance.

Key product specs

  • Issue ages available for 0-80, varies by risk class and state¹
  • Minimum face amount: $100,000
  • Death benefit options: Option A (Level) and Option B (Increasing)
  • Cash value accumulation
  • Built-in lapse protection
  • 1035 exchanges allowed
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An older couple reviewing the specs for Protective Indexed Choice UL Universal life insurance.

Added flexibility for the future

Our riders and optional benefits give customers more flexibility and value with their life insurance policy. Use our Riders and Endorsements Guide to show customers their options.
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Helpful resources on Protective Indexed Choice UL

We want to help you decide if this solution is the right fit for customers. Use these resources to learn more about the product and support your conversations.
The cover of the Protective Indexed Choice UL Universal life insurance product profile.
Introduce customers to Protective Indexed Choice UL
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Cover of Protective Indexed Choice UL Producer Guide
Learn how our IUL can offer protection plus cash value potential
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The cover of the Protective Indexed Choice UL Universal life insurance powerful combination consumer flyer.
Show the benefits of adding chronic illness coverage to an IUL policy
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The cover of the Protective Indexed Choice UL Universal life insurance growth and protection flyer.
Explain how our IUL will never return a negative interest rate
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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.
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Welcome to Protective

Before entering the site, please confirm that you are currently licensed to sell life insurance and/or annuities.

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¹ In California maximum issue age is 75 for Tobacco.


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