Protective Custom Choice UL

Before you sell more term, you'll want to consider this short-duration UL policy. For similar premium, it offers coverage periods ranging from 10-30 years, and level premium after the coverage period ends.

Sales Ideas

  • 5 Facts Before Selling Another Term Policy

    Why UL over term for short-term needs? Here's what agents should know.
    (Agent use only)

  • 5 facts for Clients Before Purchasing a Term Policy

    Why UL over term for short-term needs? Here's what clients should know.
    (Client approved)

  • Avoid the Sticker Shock

    Offer clients more value like reliable, level premiums after the death benefit period ends.
    (Agent use only)

  • Mortgage Protection for Less

    Think outside the traditional approach and offer clients a more flexible option.
    (Agent use only)

  • Protection and Flexibility

    Offer clients protection and flexibility in their affordable coverage.
    (Agent use only)

Email Templates

  • Growing Term Business By Selling UL

    Send this email to explain why agents should sell UL over a term policy for short-term needs.
    (Agent use only)

Protective Advantage Choice UL

When conducting a policy review, don't miss the opportunity to quote this competitive GUL solution. It's flexible in many special situations, and offers long-term death benefit protection with the potential for cash-value accumulation.

Sales Ideas

  • Short-Duration Value Score Card

    Share this brochure with clients to help explain policy features and benefits.

  • Short-Duration Value Score Card

    Share this brochure with clients to help explain policy features and benefits.

  • Help Clients Trade Up to a GUL Policy that Fits

    See the competitive advantage of this GUL strategy with an initial 1035 exchange and level annual premium.
    (Agent use only)

  • Premium-Free by Retirement

    Here's a competitive short-pay strategy to keep coverage in retirement without a premium payment.
    (Agent use only)

  • A Lasting Legacy

    Try this strategy to reposition money into a life insurance policy so clients can create a legacy worth much more.
    (Agent use only)

  • More Than Just Protection

    See how this solution can address additional concerns such as chronic illness protection and beneficiary income streams.

  • Cash Value for Future Expenses

    Try this strategy with clients seeking protection and ways to build cash value.
    (Agent use only)

  • Flexibility for When Life Happens

    Show clients how a Protective Advantage Choice UL policy holds up if premiums are skipped due to unexpected life events.
    (Agent use only)

  • Dual Protection for the Unexpected

    Offer clients the dual protection of life insurance and chronic illness protection.

Email Templates

  • Growing GUL Business with Policy Reviews

    Send this email to show why agents should always quote this GUL solution during a policy review.
    (Agent use only)

Videos

Opportunities for Additional Business with Policy Reviews and GUL

Learn about a GUL solution with a competitive edge that can be positioned in a variety of ways.
(Agent use only)

Protective Indexed Choice UL

This is a guaranteed IUL solution with low fees and expenses. It offers competitive potential cash-value accumulation, which is based on the positive performance of the S&P 500® Index.

Sales Ideas

  • Short-Duration Value Score Card

    Share this brochure with clients to help explain policy features and benefits.

  • Think Outside the GUL Box

    Quoting GUL? Here's how IUL can be a good alternative — for the same cost and with a guarantee that's still to life expectancy!
    (Agent use only)

  • When Zero is Greater than Five

    For the same premium, this IUL illustrated at 0% outperforms a GUL illustrated at 5% when comparing cash value in year 20.
    (Agent use only)

  • More Cash Value Potential

    Offer clients higher cash values and longer protection guarantees.
    (Agent use only)

  • Protection and Value

    See how Protective Indexed Choice UL with ExtendCare could work for clients.
    (Agent use only)

Videos

Uncovering a More Valuable IUL Policy

The IUL Rate You're Using May Be Harming Your Business. Watch this video to learn why.
(Agent use only)

Protective Investors Choice VUL

This VUL offers both strong death benefit protection and potential for uncapped cash-value accumulation.

Sales Ideas

  • Lasting Guarantees with Uncapped Growth Potential

    See how this VUL marries a strong guarantee with growth opportunity.
    (Agent use only)

  • Top-Notch Funds

    See how Protective’s fund lineup stacks up against the competition.

  • Stability & Growth

    Show clients how Protective Investor Choice VUL can give them a guarantee plus substantial cash-value potential.

Email Templates

  • Growing VUL Business with A Balanced Solution

    Send this email to share the balanced and competitive positioning of this VUL.

Videos

A Balanced VUL Solution for Various Needs

Strong death benefit protection, competitive cash-value accumulation, and affordable premium? Here's how.
(Agent use only)

Optional Riders & Endorsements

These options can be added to a Choice Series UL solution, and can help a policy work the way life works by providing more control and flexibility in the face of the unknown.

Sales Ideas

  • Short-Duration Value Score Card

    Share this brochure with clients to help explain policy features and benefits.

  • Short-Duration Value Score Card

    Share this brochure with clients to help explain policy features and benefits.

  • How to Generate Beneficiary Income Streams

    Many clients want to address specific needs and intentions. Here's how they can pre-determine how their policy's death benefit will be paid.
    (Agent use only)

  • Consider the Reasons

    Check out these reasons to sell our chronic illness rider, which can help with positioning at point-of-sale.

  • 2X the Protection

    Share this flyer with clients to explain how this accelerated death benefit rider works.
    (Client approved)

Email Templates

  • Growing UL Business with an Option for Chronic Illness Coverage

    Send this email to show how adding ExtendCare to a UL policy can accelerate the death benefit while a client is still living.
    (Agent use only)

  • Growing UL Business with an Option for Beneficiary Income Streams

    Send this email to promote the power of custom, pre-determined death benefit payout plans using the Income Provider Option.
    (Agent use only)