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Different by design, our short-term solution provides more flexibility than traditional term—like the ability to continue coverage after the initial benefit period, without any additional premium cost.
The term “GUL” applies where applicable as long as the premiums are paid as illustrated and no loans are taken on the policy, the death benefit is guaranteed to remain in force for the period illustrated.
Client profiles are for illustrative purposes only. Each individual situation will be different based on the age, sex and health status of your client.
Protective Classic Choice Term (TL-21), level death benefit term insurance policy, Protective Custom Choice UL (UL-22), Protective Advantage Choice UL (UL-21), and Protective Indexed Choice UL (UL-23) and state variations thereof, flexible premium universal life insurance policies and Protective Investors Choice VUL (VUL-13), Protective Strategic Objectives VUL (VUL-14), variable universal life insurance policies are all issued by Protective Life Insurance Company, 2801 Highway 280 South, Birmingham, AL 35223. Protective Guaranteed Income is a limited flexible premium deferred indexed annuity contract issued under contract form series FIA-P-2010 & FIA-P-2011 and state variations thereof. The Guaranteed Income Benefit is provided under rider form series FIA-P-6048. Protective Guaranteed Income is issued by Protective Life Insurance Company located in Birmingham, AL. Contract form numbers, product availability and features may vary by state. Protective Guaranteed Income is not an investment in any index, is not a security or stock market investment, does not participate in any stock or equity investment, and does not contain dividends. In New York, Protective Classic Choice Term, policy form number TL-21-NY 4-16, is a level death benefit term life insurance policy to age 90, issued by Protective Life and Annuity Insurance Company, Birmingham, AL. Securities distributed by Investment Distributors, Inc. (IDI), the principal underwriter for registered products issued by PLICO, its affiliate. Both companies are located in Birmingham, AL.
Product features, policy form numbers, and availability may vary by state. Consult policies for benefits, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. All payments and all guarantees are subject to the claims-paying ability of Protective Life Insurance Company.
Income Provider Option (UL-E35) is an endorsement available only at issue on certain UL products issued by PLICO. Actual terms and conditions contained in the product policy and the endorsement govern benefits provided. A portion of periodic payments may be reported as taxable income to the beneficiary. Consumers should consult their attorney or tax advisor regarding their individual situations. Please see the endorsement for more detailed information. May not be available in all states or on all currently-marketed UL products. State variations may apply.
ExtendCare rider (Form ICC12-L630 and L630) is available only at issue and at an additional cost. Actual terms and conditions contained in the rider govern all benefits provided. Please see the rider for more detailed information. The ExtendCare rider falls under IRC Sec. 101(g) Accelerated Death Benefit guidelines and does not fall under health regulations. This differentiation could affect eligibility for public assistance programs such as Medicaid, Supplemental Income, or others. Purchasers should consult a qualified advisor along with legal or tax advisor to determine if the rider will affect their initial or continued eligibility for public assistance programs or other tax-related decisions. The ExtendCare Rider is intended as a non-medical supplement to traditional long-term care policies and riders.
Neither Protective Life nor its representatives offer legal or tax advice. Individuals should consult their attorney or tax advisor regarding their individual situation.
The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Protective Life. S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Protective Life. The Protective Indexed Choice UL and Protective Guaranteed Income are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the Protective Indexed Choice UL or Protective Guaranteed Income or any member of the public regarding the advisability of investing in securities generally or in The Protective Indexed Choice UL particularly or in Protective Guaranteed Income or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices’ only relationship to Protective Life with respect to the S&P 500 Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to Protective Life, the Protective Indexed Choice UL or Protective Guaranteed Income. S&P Dow Jones Indices have no obligation to take the needs of Protective Life, the owners of the Protective Indexed Choice UL or the owners of Protective Guaranteed Income into consideration in determining, composing or calculating the S&P 500 Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of the Protective Indexed Choice UL or Protective Guaranteed Income or the timing of the issuance or sale of the Protective Indexed Choice UL or the sale of Protective Guaranteed Income or in the determination or calculation of the equation by which the Protective Indexed Choice UL is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of The Protective Indexed Choice UL or Protective Guaranteed Income. There is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to The Protective Indexed Choice UL or Protective Guaranteed Income currently being issued by Protective Life, but which may be similar to and competitive with The Protective Indexed Choice UL or Protective Guaranteed Income. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the S&P 500 Index.
S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY PROTECTIVE LIFE, OWNERS OF THE PROTECTIVE INDEXED CHOICE UL, OR PROTECTIVE GUARANTEED INCOME, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND PROTECTIVE LIFE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Copyright © 2015, Citigroup Global Markets Limited (“Citigroup”). All rights reserved. Citi and Citi and Arc design are trademarks and service marks of Citigroup Inc. or its affiliates, are used and registered throughout the world, and are used under license for certain purposes by Protective Life Insurance Company or its affiliates (the “Licensee”). The Citi Flexible Allocation 6 Index (the “Index”) has been licensed to the Licensee for its sole benefit. Neither the Licensee nor Protective® Guaranteed Income Indexed Annuity (the “Product”) is sponsored, endorsed, sold or promoted by Citigroup or any of its affiliates. Citigroup makes no representation or warranty, expressed or implied, to persons investing in the Product. Such persons should seek appropriate advice before making any investment. The Index has been designed and is compiled, calculated, maintained and sponsored by Citigroup without regard to Licensee, the Product or any investor in the Product. Citigroup is under no obligation to continue sponsoring or calculating the Index. CITIGROUP DOES NOT GUARANTEE THE ACCURACY OR PERFORMANCE OF THE INDEX, THE INDEX METHODOLOGY, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY CITIGROUP FOR USE IN CONNECTION WITH THE PRODUCT AND DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL DAMAGES EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. Please see https://investmentstrategies.citi.com/cis/us for additional important information about the Citi Flexible Allocation 6 Index.
Annuities are long-term insurance contracts intended for retirement planning.
Protective is a registered trademark of Protective Life Insurance Company, Guaranteed Income Indexed Annuity is a trademark of Protective Life Insurance Company.