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Protective%%®%% Strategic Objectives II VUL conversions and policy support

When customers are looking to convert to a policy with death benefit protection plus powerful cash value growth potential to fund a future goal, you can 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 customers achieve their goals.
Unrestricted growth potential
Support accumulation-focused customers 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.
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Flexible protection for the long term
Customize protection with a choice of death benefit options and ExtendCareSM rider, which provides access to funds in the case of a qualifying chronic illness.
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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 customers closer to their goals
View this short video to see how Protective Strategic Objectives II VUL's growth and protection features work and help customers reach their goals.
A policyholder feeling secure with his new life insurance policy.
Investing with Protective Strategic Objectives II VUL
Investing with Protective Strategic Objectives II VUL allows customers 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
Couple representing Protective Strategic Objectives II VUL policy owners happily embrace on the beach.

Discover the optional riders available with Protective Strategic Objectives II VUL

Offer customers 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 customers for potential chronic illness costs with the optional ExtendCareSM 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
Edward Jones Advisory shares benefits of the optional Extended Lapse Protection Rider with a young family.
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 variable universal life insurance solution is the right fit for Allstate’s customers. Use these resources to learn more about the product and support your customer conversations.
The cover of the Protective Strategic Objectives II VUL Producer Guide
Learn how our VUL can offer customers protection and strong accumulation potential
The cover of the Protective Strategic Objectives II VUL Product Guide
Introduce customers to Protective Strategic Objectives II VUL
Cover of SOVULII Investment Options Guide.
Show customers how they can customize their investment strategy with our VUL
The cover of the Protective blended strategy solution brochure.
Learn how pairing term with a permanent solution can tailor a customer's coverage
The cover of the Protective Strategic Objectives II VUL Product Prospectus
Review the Protective Strategic Objectives II VUL product prospectus

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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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