Protective Indexed Choice

Protective Life Insurance Company

Financial Strength A+
IUL Experience 15 years
Policy Portfolio 2 products

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Founded

1907

Assets

$120 billion

AM Best

A+

Participating

110%

Financial Strength Ratings

AM Best A+

S&P AA-

Moody's Not disclosed

Product Benchmarks

Typical Cap Range

Min: 8% | Max: 11% | Current average: 9.5%

Participation Rates

Min: 100% | Max: 120% | Current average: 110%

Typical Fees

Coi range: Competitive | Admin fee: Standard | Premium load: Standard

About Protective Life Insurance Company

Forbes: 'Best for Universal Life'

USA Today: Best carrier overall

Competitive internal policy costs

Term policies up to 40 years

Strong Japanese parent backing (Dai-ichi Life Holdings)

Company Profile

Headquarters

Birmingham, Alabama

Founded

1907

Years in IUL

15 years

Assets Under Management

$120 billion

Minimum Premium

$5,000 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks standard

Website

www.protective.com

Financial Ratings

AM Best A+

S&P AA-

Moody's Not disclosed

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Protective Life Insurance Company

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Protective Indexed Choice

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 11%

Floor Protection 0%%

Participation Varies: 100% to 120%

Minimum Premium $5,000 annual

Issue Ages 0-85

Forbes: 'Best for Universal Life'
USA Today: Best carrier overall
Competitive internal policy costs
Index options: S&P 500, Multiple strategies

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IUL Policy

Custom Choice UL

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Varies: 8% to 11%

Floor Protection 0%%

Minimum Premium $5,000 annual

Issue Ages 0-85

Customizable design
Dai-ichi Life backing (Japan)
Index options: S&P 500, Customizable strategies

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Personalized Planning

Map Out Your Protective Life Insurance Company Strategy

Partner with fiduciary-aligned specialists to benchmark Protective Life Insurance Company against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

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Response within one business day

Frequently Asked Questions

Protective Life Insurance Company currently offers 2 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Protective Life Insurance Company maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Protective Indexed Choice | Custom Choice UL