2025 was a year of remarkable achievements for our partnership as we continued to uphold our mission: protecting our customers. Let’s take a moment to celebrate some of the major milestones we reached together:

• Insured 6,807 individuals with life policies and 11,147 with annuities
• Insured 6,807 individuals with life policies and 11,147 with annuities
• Paid $4,123,068,304 in life and annuity claims to 78,628 beneficiaries

These numbers represent more than metrics—they reflect the families we’ve helped safeguard. Thanks to your dedication, these families can feel confident knowing they’re protected against life’s uncertainties.

As we look back, we want to personally thank you for your trust and partnership in 2025. We accomplished exciting initiatives, including:

• Launched an Accelerated Underwriting enhancement program, driving an almost 40% increase in throughput
• Introduced the Extended No Lapse Guarantee Rider on our Strategic Objectives VUL II product
• Protective’s Model Portfolios in the Digital Life Platform now mirror our application forms — making it easier than ever to update illustrations without navigating complex subaccount details
• Rolled out a new distributor website
• Added VUL self-service capabilities, including in-force illustration tools
• Updated underwriting guidelines, eliminating inspection reports and easing EKG requirements
• Enhanced Dimensions V Secure Pay Income benefit with Advanced Pay Options
• Made annuity contract packets accessible via the Protective website
• Earned recognition as a Great Place to Work® and climbed Forbes’ Best Midsize Employers List

Your hard work and commitment made these successes possible—and they inspire us as we look ahead to 2026. Thank you for being an essential part of this journey!