We have updated the Term Warehouse with Protective’s new Income Provider Option (IPO) discount factors. While available on both the Custom Choice (a term-like UL plan) and Classic Choice Term, we are currently only presenting IPO on Custom Choice. With the IPO rider, your clients can convert the lump sum death benefit to a guaranteed income stream for up to 30 years. This makes IPO one of the best options available to meet your clients’ income replacement needs. Add Waiver of Premium to the mix and Custom Choice with IPO becomes one of the best life insurance values for your clients. Be sure to ask for IPO on your next income replacement sales opportunity.