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Protective%%®%% Custom Choice℠ UL offers flexible short-term coverage

Offer customers protection for as long as they choose with premiums that stay the same even after the initial benefit period ends. The amount of coverage will decrease instead, likely in step with their changing needs.
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Why recommend Protective Custom Choice UL? 

Customers who want short-term coverage with flexible options can enjoy these three benefits:
Level premiums after the initial term period ends
Customers can stay covered beyond the initial period for the same premium cost as the death benefit begins to decrease.
Flexible premium payments
They have choices in their premium payments to plan around other life expenses.
Strong conversion options
During policy years 2-20, customers can convert to one of our permanent solutions to cover any gaps in their protection needs.
Flexibility now and in the future 
Customers can choose how long they want their coverage to last at an initial level benefit period of 10-30 years. After this period ends, their premium payment stays the same and their guaranteed death benefit decreases instead.
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Product snapshot

Get a quick profile of Protective Custom Choice UL and its flexible features.

Consider this product for a customer who:

  • Has short-term coverage needs but still wants flexibility and options
  • Is a young married couple with or without children, or a single parent
  • Has a household income less than $100K a year, and may have a mortgage or other debts
  • Wants inexpensive premiums
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Key product specs

  • Coverage lengths available for 10-30 year plans. Issue ages vary by plan and risk class.
  • Minimum face amount: $100,000; after initial level benefit period: $10,000
  • Flexible premium payment options
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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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Help customers choose the right short-term solution for their goals
In addition to Protective Custom Choice UL, we also offer a term solution to meet customers’ short-term protection needs. Share this brochure to help them decide the right fit.
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Helpful resources on Protective Custom Choice UL 

Use these resources to learn more about the product and support your customer conversations.
The cover of the Protective Custom Choice UL product guide
Introduce customers to Protective Custom Choice UL
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The cover of the Protective Custom Choice UL mortgage protection flyer
Show customers how they can still cover a mortgage after their level benefit period ends
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Other related topics 

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We’re here for you

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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