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  • Protective Custom Choice UL

    For customers wanting short-term coverage paired with long-term benefits, introduce them to Protective Custom Choice UL. It’s an affordable, short-duration life insurance solution that provides coverage between 10 and 30 years, with the ability to customize death benefit periods — like 12 or 16 years.

    It also offers the flexibility to extend coverage past the initial death benefit period for the same amount of premium as the death benefit decreases.1 And, this policy delivers robust conversion options with Protective’s permanent products during policy years two through 20.2




  • Life Products at a Glance

    Use this consumer-approved brochure to show customers a side-by-side comparison of each product within our portfolio of protection solutions.

  • Life Products Overview

    Review this brochure with customers to provide an overview of the life insurance products offered by Protective Life.

  • Riders and Endorsements Guide

    Provide customer with an overview of the features and product availability for the different riders and endorsements Protective Life offers.

  • 1 Premiums begin to increase once the death benefit decreases to $10,000.00.
    2 Protective may change this at its discretion.

    Protective Custom Choice UL (UL-22) is a universal life insurance policy issued by Protective Life Insurance Company, located in Nashville, TN. 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.

    Lapse protection guarantees the policy death benefit for the duration of the guarantee and does not cover cash or surrender value. Loans, withdrawals, and other policy and premium changes will affect the cost and length of protection. Failure to make premium payments as planned may cause the policy to lose lapse protection and premiums required to restore it could be significantly higher. Refer to the policy and endorsements for complete terms, conditions, and limitations

    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. Insurance products 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 (