Protective® Lifetime Assurance UL | Universal Life Insurance

Protective%%®%% Lifetime Assurance Universal Life

When clients want affordable, guaranteed lifetime coverage and predictable payments, Protective Lifetime Assurance UL could be just the right fit.

Why recommend Protective Lifetime Assurance UL?

Meet more client needs with this simple, low-cost solution that offers flexibility and customizable options.

Customizable guarantee lengths

Choose the length of guaranteed coverage anywhere from ages 100-121.

Predictable level-pay premiums

Lock in competitive, stable premiums at the start and maintain those rates for life.

Straightforward, understandable coverage

Simple design is easy for clients to understand so they can feel confident in their policy.

Client-friendly return of premium endorsement

Flexibility to access paid premiums at no added cost starting after year ten — earlier than most competitors.

Why recommend Protective Lifetime Assurance UL?

Watch this client-friendly video to learn how lifetime coverage with predictable payments can secure what matters most.

A still frame from a video about Protective Lifetime Assurance UL.

Who to consider for this product

Our Protective Lifetime Assurance UL may be a good fit for your clients who:

Are looking for long-term death benefit coverage
Are attracted to the affordability of term products
Want predictable premium payments
Have a low to moderate risk profile

Key product specs

Issue ages available for 18-85, varies by risk class and state
Minimum face amount: $50,000-100,000, varies by risk class
Built-in lapse protection

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Ideal clients for Protective Lifetime Assurance UL universal life insurance.

Added protection for chronic illness expenses

Preparing clients for the unexpected can go beyond offering life insurance protection alone. By adding the ExtendCare℠ rider to Protective Lifetime Assurance UL, clients can advance their policy’s death benefit to help offset the costs of a chronic illness.

Explore ExtendCare

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Give clients access to paid premiums, if needed

Sometimes the unexpected happens and clients need extra cash. With our no-cost Return of Premium endorsement on Protective Lifetime Assurance UL, they can access part of their paid premiums in the future (as long as they are willing to fully surrender their policy).

Explore Return of Premium

Explore all optional and built-in benefits

Optional riders and included endorsements help you tailor a Protective Lifetime Assurance UL 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

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Helpful resources

We want to help you decide if this solution is the right fit for your clients. Use these resources to learn more about this universal life insurance product and support your client conversations.