Protective® Custom Choice UL

Protective Custom Choice℠ UL offers flexible short-term coverage

Offer clients protection for as long as they choose with premiums that stay the same even after the initial benefit period ends. The amount of coverage will decrease instead, likely in step with their changing needs.

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Why recommend Protective Custom Choice UL?

Your clients who want affordable short-term coverage with flexible options can enjoy these three benefits:

Level premiums after the initial term period ends

Clients can stay covered beyond the initial period for the same premium cost as the death benefit begins to decrease.

Flexible premium payments

Clients have choices in their premium payments to plan around other life expenses.

Strong conversion options

During policy years 2-20, clients can convert to one of our permanent solutions to cover any gaps in their protection needs.

Flexibility now and in the future

Clients can choose how long they want their coverage to last at an initial level benefit period of 10-30 years. After this period ends, their premium payment stays the same and their guaranteed death benefit decreases instead.

A graphic showing how Protective Custom Choice UL works

Consider this product for a client who:

Has short-term coverage needs
Wants flexibility and customizable options
May have a young family and a mortgage or other debts
Wants inexpensive premiums

Key product specs

Coverage lengths available for 10-30 year plans. Issue ages vary by plan and risk class.
Minimum face amount: $100,000; after initial level benefit period: $10,000
Flexible premium payment options

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Added flexibility for the future

Our riders and optional benefits give clients more flexibility and value with their life insurance policy. Use our Riders and Endorsements Guide to show clients their options.

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A financial professional discussing life insurance with her client.

Help clients choose the right short-term solution for their goals

In addition to Protective Custom Choice UL, we also offer a term solution to meet clients’ short-term protection needs. Share this brochure with clients to help them decide the right fit.

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