The World Is Unpredictable. The UL Insurance You Offer Shouldn't Be.

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  • Issues up to age 85
  • Guaranteed death benefit coverage with built-in lapse protection
  • Predictable premium options that fit within your needs
  • A+ rated carrier


For producer use only. Not for use with the general public.

Guarantees are backed by the financial strength and claims paying ability of the issuing company.

This is not a comprehensive review of all features and benefits. All the material details of these/this product(s) should be reviewed prior to making a purchase decision.

Keep in mind that certain fees and expenses will reduce the cash value. If the policy is surrendered during the surrender period, surrender charges may apply.

Premium rates vary by a number of factors, including carrier, product, client health and age and a number of other factors.

Before any decisions are made regarding your client’s financial situation, your client’s individual circumstances and objectives should be discussed. There are many factors to consider.

A+ rating determined by A.M. Best insurer strength as of August 1, 2020 (2nd highest of 15 rankings)

Protective Life Insurance Company and Simplicity Des Moines are separate independent entities and are not responsible for the legal or financial obligations of the other.

Protective Lifetime Assurance (UL-22) is a universal life insurance policy issued by Protective Life Insurance Company, Brentwood, 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. All payments and guarantees are subject to the claims paying ability of Protective Life Insurance Company.

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.