When customers are looking for life insurance protection along with the potential for cash value accumulation to support future goals, this variable universal life insurance policy may help address both needs.
Why recommend Protective Strategic Objectives II VUL?
The protection benefits and growth opportunities available with Protective Strategic Objectives II VUL work in combination to help customers achieve their goals.
Protective Strategic Objectives II VUL Investment Options
Protective Strategic Objectives II VUL provides a diversified lineup of investment options designed to help customers tailor their policy to their financial goals and risk tolerance. They'll also have the freedom to pursue growth goals without fund allocation restrictions.
Discover the optional riders available with Protective Strategic Objectives II VUL
Offer customers additional protection and flexibility with these optional riders.
See how this VUL supports multiple goals
Steve wants to protect his family and business with life insurance. He wants tax-favored opportunities and to hedge against potential chronic illness costs. Steve purchases a $1 million policy with a $1,010.06 monthly premium and adds two optional riders. Here are the results:
- At age 70, he achieves $198,152 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 qualifies 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.
Learn how our VUL can offer customers protection and strong accumulation potential
Introduce customers to Protective Strategic Objectives II VUL
Show customers how they can customize their investment strategy with our VUL
Learn how pairing term with a permanent solution can tailor a customer's coverage
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.
1Lapse protection does not guarantee any cash or surrender value. Failure to make premium payments as planned may cause the policy to lose lapse protection, and premiums required to restore it could be significantly higher. Payment of the premium required to maintain the lapse protection does not guarantee that the policy will remain in force after the end of the lapse protection period. Additional premium payments may be required after the lapse protection period ends. Refer to the product prospectus, contract, and endorsements for complete terms, conditions and limitations.
Variable universal life insurance involves the risks of investing in stocks, bonds and other securities; market, interest rate and credit risk; and loss of principal. If the performance of underlying investments is poorer than expected (or if sufficient premiums are not paid), the policy may lapse or not accumulate sufficient value to fund the intended application. Investments in variable universal life insurance policies are subject to fees and charges from both the insurance company and the managers of the underlying investments. Loans and withdrawals may negatively impact policy value, investment performance, death benefit, and any Lapse Protection.
Protective Strategic Objectives II VUL is a variable universal life insurance policy issued by PLICO under policy form number ICC19-V15 and state variations thereof. Product features and availability may vary by state.
Investors should carefully consider the investment objectives, risks, charges and expenses of Protective Strategic Objectives II Variable Universal Life insurance and its underlying investment options before investing. This and other information is contained in the prospectus for Protective Strategic Objectives II Variable Universal Life and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330.
WEB.4208912.04.26
Variable universal life insurance involves the risks of investing in stocks, bonds and other securities; market, interest rate and credit risk; and loss of principal. If the performance of underlying investments is poorer than expected (or if sufficient premiums are not paid), the policy may lapse or not accumulate sufficient value to fund the intended application. Investments in variable universal life insurance policies are subject to fees and charges from both the insurance company and the managers of the underlying investments. Loans and withdrawals may negatively impact policy value, investment performance, death benefit, and any Lapse Protection.
Protective Strategic Objectives II VUL is a variable universal life insurance policy issued by PLICO under policy form number ICC19-V15 and state variations thereof. Product features and availability may vary by state.
Investors should carefully consider the investment objectives, risks, charges and expenses of Protective Strategic Objectives II Variable Universal Life insurance and its underlying investment options before investing. This and other information is contained in the prospectus for Protective Strategic Objectives II Variable Universal Life and its underlying investment options. Investors should read the prospectus carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330.
WEB.4208912.04.26
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