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Protective%%®%% Strategic Objectives II VUL

When your clients are looking for death benefit protection plus powerful cash value growth potential to fund a future goal, you can help them secure both with our VUL.

Why recommend Protective Strategic Objectives II VUL?

The growth and protection benefits available with Protective Strategic Objectives II VUL work in combination to help clients achieve their goals.
Unrestricted growth potential
Support accumulation-focused clients 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 through age 121.
Find out how our VUL brings clients closer to their goals
View this short video to see how Protective Strategic Objectives II VUL's growth and protection features work and help clients reach their goals.
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Product snapshot

Get a quick profile of Protective Strategic Objectives II VUL and how it’s designed for both growth and protection.
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Consider this for a client who:

  • Is affluent and considering how to plan for retirement
  • Has maxed out their IRA or 401k contributions
  • Is looking for death benefit coverage and tax deferred growth
  • Wants to maximize cash value and is OK with risk
An older couple reviewing life insurance product specs.

Key product specs

  • Issue ages: 0-80
  • Minimum face amount: $100,000
  • World-class investment management
  • Dollar cost averaging and portfolio rebalancing
  • Built-in and optional extended lapse-protection guarantees
Download full details
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Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor a Protective Strategic Objectives II VUL policy to protect the unique goals of every client. Our client-friendly Riders and Endorsements Guide can help you introduce each of the benefits available.
Download complete guide
Investing with Protective Strategic Objectives II VUL
Investing with Protective Strategic Objectives II VUL allows clients 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.
Explore investing with our VUL
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Discover the optional riders available with Protective Strategic Objectives II VUL

Offer clients 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 clients 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, smiles confidently knowing his small business is protected.
See how this VUL support the multiple goals of this client
Steve wants to protect his family and business with life insurance. He wants tax-favored growth and to hedge against potential chronic illness costs . He purchases his VUL policy with a $1,010.06 monthly premium and adds two optional riders. Here are the results of this strategy:
  • At age 70, he achieves $198,152 in cash surrender value, supporting both his business and retirement goals.
  • Extended No- Lapse Guarantee rider keeps policy active and preserves the death benefit to his selected age of 100.
  • ExtendCare rider allows early access to the death benefit if diagnosed with chronic illness.

Helpful resources on Protective Strategic Objectives II VUL

We want to help you decide if this solution is the right fit for your clients. Use these resources to learn more about the product and support your client conversations.
Cover of the Protective Strategic Objectives II variable universal life insurance producer guide
Review key features and benefits of this VUL
Download producer guide
Cover of the Protective Strategic Objectives II variable universal life insurance product guide.
Introduce clients to this VUL
Download product guide
Cover of SOVULII Investment Options Guide.
Help clients understand their investment options
Download investment options guide
Cover of the Protective Strategic Objectives II variable universal life insurance prospectus
View detailed information about this solution
Access prospectus
We’re here for you
We’re ready to help you deliver the protection and security your clients 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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Welcome to Protective

Before entering the site, please confirm that you are currently an authorized financial professional.

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.

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