Protective Advantage Choice℠ UL

Protective Advantage Choice%%SM%% UL

Some customers need more from their life insurance than just a death benefit. Protective Advantage Choice UL offers lifetime protection plus flexible features and potential cash value accumulation.

Why recommend Protective Advantage Choice UL?

Customers who want long-term protection with added flexibility can enjoy these 3 benefits:

Strong guarantees

Death benefit protection can be guaranteed up to the customer's lifetime.

Flexible premium options

Customers can choose to pay a level premium for their lifetime, a certain period of time or adjust premiums with their expected income level.

Cash value potential

The policy's cash value grows tax deferred, which customers can access for future expenses or unexpected costs.

Consider this product for a customer who:

Wants a lifetime death benefit
Seeks flexible options to address life's uncertainties
Is a low to moderate risk profile

A married couple reviewing life insurance options with their financial professional.

Key product specs

Issue ages: 18-75 for Select Preferred; 18-85 for Preferred, Non-Tobacco and Tobacco risk classes. State variations may apply.
Minimum face amount: $50,000 for Non-Tobacco and Tobacco; $100,000 for Select Preferred and Preferred. No maximum.
Premium flexibility
Tax-deferred growth

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Ideal customers for Protective Advantage Choice UL universal life insurance.

Added flexibility for the future

Our built-in return of premium endorsement allows customers to get 25% of their premiums paid back to them on or after the policy’s 10th anniversary. This adds 10 more years of flexibility compared to most competitors. Take a look at our Return of Premium Guide to learn more.

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Helpful resources on Protective Advantage Choice UL

We want to help you decide if Protective Advantage Choice UL is the right fit for Allstate's customers. Use these resources to learn more about this universal life insurance product and support your customer conversations.