‘Growth’ model portfolio puts Protective® Strategic Objectives VUL in the top 3 – or better – for income every single time1.

On May 1, Protective Life will launch a new low-fee model portfolio within our Protective® Strategic Objectives VUL, specifically designed to generate income for retirement. This market-leading model helps Protective Strategic Objectives VUL rank in the top 3 – or better – for income 100% of the time.

The Growth model is specifically focused on accruing income for retirement, sometimes known as Life Insurance in Retirement Planning (LIRP). With allocations that promote accelerated growth (75% equity subaccounts / 25% fixed income subaccounts), clients can accumulate cash value – tax-deferred – that could, one day be used to supplement retirement income.

The model’s overall average fund fee of 0.65% also allows client expense costs to remain reasonable and continue driving cash value into the policy. Most importantly, Strategic Objectives VUL’s tax-free death benefit protects clients and their families should the unexpected occur.

With the new Growth model, Strategic Objectives VUL may be a compelling solution for clients who simply want to supplement their retirement income, or who may want to shift additional assets into a tax-advantaged solution designed to provide both protection and income. The new Growth model will be available within the ELI and WinFlex illustration systems on May 6.

For more information about our Growth model portfolio, Strategic Objectives VUL or to run an illustration, please contact your Protective Life representative.

Let’s deliver on our promises. Together.

PLAG.1175503 (03.19)
For Professional Use Only. Not for Use With Customers.
1 Rankings current as of March 2019 and are based on projected, non-guaranteed income. Based on comparisons of Protective Strategic Objectives VUL that assume males and females, quinquennial ages 35 to 55, three Non-Tobacco underwriting classes, annual premiums paid to retirement age, minimum non-modified endowment contract death benefit (increasing switching to level at retirement age) solving for maximum monthly distributions (withdrawals switching to loans at basis) beginning at retirement age and targeting $10,000 cash surrender value at age 100. The retirement age is 65 for all issue ages with the exception of 55 where we assume the retirement age to be 70. Rankings are based on 11 carriers, 12 products, with an assumed 8% gross IR, non-guaranteed policy charges, and company weighted average of funds.
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. Both companies are located in Birmingham, AL.
Variable universal life insurance policy issued under policy form number VUL-14 9-15 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 Variable Universal Life insurance and its underlying investment options before investing. This and other information is contained in the prospectus for Protective Strategic Objectives 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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