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Updates and enhancements to Protective%%®%% Strategic Objectives II VUL
October 13, 2025
Protective Strategic Objectives II VUL now features an optional Extended No-Lapse Guarantee Rider, offering stronger guarantees, no investment restrictions and added protection against market volatility.

We've enhanced and repriced Protective Strategic Objectives II VUL to offer more competitive guarantees. The new Extended No-Lapse Guarantee Rider helps keep the death benefit in force during market volatility without investment restrictions, so clients can still access Protective's proven investment options while maintaining protection. We also improved accelerated underwriting throughput for certain policies up to $1 million, at ages 50 and under.


Key rider benefits include:

  • Offers a customizable no-lapse guarantee up to age 121
  • No investment restrictions for policies with the rider
  • Flexibility to remove rider at any time
  • Death benefit protection during market downturns, giving policy cash value time to recover
  • Available with 1035 exchange loan carryover

This enhancement offers a compelling solution for clients who want market-driven growth potential along with stronger death benefit guarantees.


Transition rules


For paper and ticket business:

  • Applications signed on or before October 12, 2025 will receive the old product version.
  • Applications signed on or after October 13, 2025 will receive the new product version.
  • If the new product version is wanted on an application that is signed October 12 or prior, an amendment will be required with an owner signature on delivery.

Contact your Protective representative for more details or visit our product page.

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Variable universal life insurance policies issued by Protective Life Insurance Company (PLICO). Securities offered by Investment Distributors, Inc. (IDI), the principal underwriter for registered products issued by PLICO, its affiliate. PLICO is located in Omaha, NE; IDI is located in Birmingham, AL.

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 investment 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 underlying investments. Loans and withdrawals may negatively impact policy value, investment performance, death benefit, and any Lapse Protection.

Variable universal life insurance policy issued under policy form number ICC20-V15S-PVC / VUL-15S-PVC 7-20 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 prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330.

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