protective

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.

One size does not fit all when it comes to life insurance underwriting. The new Protective Life Underwriting Solution (PLUS) is designed to underwrite applicants with the least invasive requirements possible, giving them the potential to qualify for accelerated underwriting. Available for both Protective Classic Choice and Protective Custom Choice term plans, PLUS could speed your clients through the underwriting process with no labs or APS’s required. Please note that not all your clients will qualify for PLUS. To qualify, they must meet certain requirements with regards to their general health, lifestyle and personal characteristics.   |  more