Is the product at the top of the spreadsheet really the best solution? To make the best choices for clients, it’s important to know the whole story on product performance—not just their rank on a spreadsheet. This is especially relevant when it comes to Indexed Universal Life.

Here are three things a spreadsheet can’t tell you about an IUL, and what makes Protective® Indexed Choice UL stand out:

  1. The impact of product design on product performance.

    Consider a product’s expense structure—a higher crediting rate can look good at first, but cash value tends to be offset with higher policy expenses and charges. Clients then pay for that higher cap on the back end, so they’re really just paying for the policy’s potential.

    Thanks to low policy fees, Protective Indexed Choice UL pairs the strong guarantees of traditional GUL with cash value potential, making it a great option for GUL cases.

  2. How the product handles stress tests, like a missed premium payment.

    Life doesn’t always go as planned. More than a third of U.S. households had a major unexpected expense in the last year, and only slightly more have enough savings to cover an unexpected $1,000 expense.1 When life happens, life insurance premiums can fall to the bottom of the priority list and impact policy performance. You won’t see that on a spreadsheet.

    Because of its unique design, Protective Indexed Choice UL is life tested, giving clients the flexibility and security they need.

  3. The integrity of the company behind the product.

    This impacts client relationships and your business. The company’s approach to business, its product design and a strong foundation all matter to you and your clients.

    Protective’s strength and stability mean we’re going to be here for the long haul. We take a value-based approach to doing business, focus on long-term relationships and deliver on our promises.

Protective® Indexed Choice UL rises above the spreadsheet battles with low policy fees and client-centric design all backed by a strong company committed to delivering long-term value.

For more information about Protective Indexed Choice UL, please contact your Protective Life representative.

1 Bankrate’s Financial Security Index. Jan. 3-7, 2018.
Protective Indexed Choice UL (UL-23) is a flexible premium universal life insurance policy issued by Protective Life Insurance Company, Birmingham, AL. Policy form numbers, product features and availability may vary by state. Consult policies for benefits, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply.
Protective Indexed Choice is not a security investment and is not an investment in the market. Clients should be provided with costs and complete deta8ils about the terms, conditions, limitations, or exclusions that apply to this policy.
All payments and guaranteed are subject to the claims-paying ability of Protective Life Insurance Company.
Protective is a trademark and Indexed Choice is a trademark of Protective Life Insurance Company.

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