Protecting Tomorrow: A Father’s Story

Bruce realizes he would like to provide financial protection for his family in the event of illness or death. Click Bruce’s ages to see how Protective Investors Choice^SM VUL offers protection for his family, while also giving him flexibility to access cash value should his needs change over time.

• Bruce
• 48
• 64
• 65
• 78
• Act Now

• 

  Meet Bruce

  AGE: 48
  OCCUPATION: Architect
  RISK PROFILE: Moderate

  •	Married with two children
  •	Primary income provider

  
  

  See how Bruce’s policy meets his needs
  at different stages of his life.

  
  
• 

  Bruce Purchases Protective
  Investors Choice VUL

  With his policy purchase, Bruce receives:

  •	$500,000 guaranteed death benefit coverage for his family as long as premiums are paid
  •	Uncapped cash value growth potential that's accessible for unexpected expenses
  •	A flexible policy design that adapts to meet specific needs, plus additional protection through optional riders for a chronic or terminal illness

• 

  Bruce Continues to Accumulate
  Cash and Adjust His Strategy

  By now, Bruce has:

  •	Accumulated $112,530 in cash value
  •	Adjusted his strategy along the way by using the 60 quality fund options and investment programs available with the policy
  •	The option to take a policy loan or withdrawal against accumulated cash value for unexpected expenses

• 

  Bruce’s Son Wants to Study Abroad

  Bruce needs money to cover his son’s expenses. He decides to:

  •	Withdraw $10,000 from his policy cash value to pay for his son’s study abroad program and travel expenses, leaving an adjusted death benefit of $490,000
  •	Adjust the investment strategy to help rebuild cash value in his policy, which is now $112,896 after his withdrawal

• 

  Bruce Becomes Chronically Ill

  When Bruce purchased his policy, he added ExtendCare℠, an optional benefit to accelerate his death benefit for any potential chronic illness needs.

  Bruce draws upon this benefit to:

  •	Pay for his care expenses, up to $9,900 per month
  •	Continue his guaranteed death benefit coverage
  •	Focus on his health without having to track bills and receipts

• 

  How Would Protective Investors Choice VUL Work for Your Clients?

  Complete the form to request a sample illustration at a hypothetical 7% return rate with a death benefit guaranteed to age 100, and start exceeding client expectations for value, flexibility and protection.

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of 7%, with a guaranteed death benefit to age 100.