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  • Optional Riders and Endorsements

    Protective’s universal life policies are designed for maximum flexibility and offer a variety of optional endorsements and riders. Since every family situation is unique, Allstate customers may want to consider these additional endorsements and riders to help fill any gaps in their long-term plans.

  • ExtendCare℠ Rider

    The ExtendCare Rider can advance the policy’s death benefit to help with expenses associated with a qualifying chronic illness.

  • Income Provider Option

    The Income Provider Option is a no-cost endorsement which allows customers to decide how their life insurance policy’s death benefit is paid.

  • Return of Premium Endorsement

    The Return of Premium Endorsement offers customers flexibility and reassurance with early access to premiums – at no additional cost.

  • Policy issuance is subject to availability and qualifications. These policies have exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits. Rates quoted are subject to change and are set at the company's sole discretion. Terms and limitations apply. See individual product riders for terms, conditions and restrictions. For costs and complete details of coverage, call an Allstate agency. This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life insurance issued by Protective Life Insurance Company located in Nashville, TN, with administrative offices at 2801 Highway 280 South, Birmingham, AL 35223. Allstate Life Ins. Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. In New York, life insurance issued through Allstate Life Insurance Company of New York, Hauppauge NY. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. Check the background of this firm on FINRA's BrokerCheck website (