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One of the most common myths about life insurance is around the cost. 15% of consumers say they haven’t bought life insurance because it’s too expensive, and more than 65% overestimate its true cost.

For instance, a 30-year-old could buy a 35-year term policy for less than $25 a month. That’s about 6 cups of gourmet coffee.

Protective Advantage life insurance provides strong, dependable guarantees that offer lasting financial security, including the option to guarantee the death benefit for the client’s entire lifetime. This ensures that loved ones will receive the intended protection no matter how long the policyholder lives. 

The policy is also designed with flexible premium options, allowing clients to tailor their payment structure based on their financial goals—whether they prefer to pay level premiums for life, pay over a set number of years, or adjust premiums to align with changing income levels. In addition to lifelong protection, universal life policies offer valuable cash value growth potential.

 This cash value accumulates on a tax-deferred basis and can be accessed in the future to help cover significant expenses such as college tuition, supplemental retirement income, or unexpected emergencies. 

A standout feature of this policy is the client-friendly return of premium endorsement, which provides the flexibility to access the premiums paid into the policy at no additional cost. This can be especially helpful later in life, giving clients more control over their finances while still maintaining core coverage.

Life insurance is about protection — giving your loved one's security when they need it most. With a Protective Lifetime Assurance UL policy, the death benefit can be paid directly to your beneficiaries to help replace your income, maintain their standard of living, and cover important expenses such as burial costs, final bills, and ongoing financial needs. 

This policy also gives you flexibility: if your needs change, you have the option to decrease your death benefit without having to purchase a new plan. Coverage is available to applicants ages 18–85, with face amounts starting at $50,000, and your rate will be based on your health and insurance risk factors at the time of application.

Beyond protection, the policy also offers valuable living benefits. While cash value growth is limited, it includes a guaranteed interest rate of 2.0%, with the possibility of higher credited rates over time. You can access funds through loans or withdrawals (fees and reductions in death benefit may apply), giving you options if life throws you a curveball. Additionally, the Return of Premium Endorsement provides extra peace of mind — if you choose to cancel your coverage on or after the 10th policy anniversary, you can receive 25% of all premiums you’ve paid back. It’s lifelong protection with flexibility and financial safeguards built i

Executive universal life insurance is designed to be easy for employers to administer while offering meaningful, customizable benefits to key employees. Managing employee information is straightforward—everything is handled through a simple census that can be updated as needed, streamlining enrollment and ongoing administration. Employers have the convenience of making one consolidated premium payment, saving time and reducing complexity. 

This type of plan is also a cost-effective carve-out solution, allowing businesses to offer a tailored benefit specifically to their executive or highly compensated employees. 

Unlike traditional group life insurance, which often provides limited coverage, executive universal life offers a more valuable and personalized option that can enhance recruitment, retention, and overall employee satisfaction. It also creates a stronger incentive for employees, as they have the option to contribute additional premiums to build individual cash value within their policy. 

This cash value grows tax-deferred and can be used for future financial needs. Plus, the coverage is portable, so employees can take it with them if they leave the company—making it a benefit with lasting impact 

Designed to give you more than just protection — it gives you options. With Lifelong Protection, your beneficiaries receive an income tax-free death benefit to help replace your income and cover important expenses.

The policy offers Flexible Coverage, allowing you to increase or decrease your face amount as your needs evolve. You also have the opportunity for Cash Value Growth on a tax-deferred basis, with both fixed and variable investment options available.

As your budget and goals change, Premium Flexibility lets you adjust how much you contribute. Built-in Lapse Protection helps safeguard your policy during market volatility, giving you confidence your coverage will remain in place. 

You can also use your policy as part of your Retirement Planning strategy by accessing accumulated cash value to supplement income.

Through Access to Funds, tax-advantaged loans and withdrawals are available after the first policy year, and with Over loan Protection, your coverage can stay intact even if significant funds have been borrowed.