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Our Protection Life Universal Life Insurance Gives You Permanent, Lifetime Coverage

Protection Life Universal Life Insurance provides a simple, practical solution to help make sure a family is protected. This policy offers flexible, permanent, lifetime coverage at an affordable premium. If you seek a low-cost death benefit and do not need as much cash value, Protection Life may be a fit for you.

You've worked hard to provide a good life for your loved ones. Protection Life can help make sure this doesn't change.

Benefits of Protection Life Universal Life Insurance 

Protection Life is flexible, permanent, lifetime life insurance that provides many benefits including:

  • An affordable premium that guarantees a death benefit throughout a lifetime
  • A level death benefit with the flexibility to increase and decrease coverage as needed
  • A way to transfer wealth to loved ones
  • A no-lapse guarantee as long as sufficient premiums are paid
  • Additional protection by choosing from a number of riders, or add-on benefits, available at an additional cost, to customize your policy to meet your specific needs
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Could This Universal Life Policy Be Right for You?

Protection Life may be a fit for a variety of needs. Consider our flexible universal life policy if:

  • You own a small business and depend heavily on a key employee. You need peace of mind knowing you'd have a death benefit to help recruit, hire and train a replacement should your key employee pass away unexpectedly.
  • You have been married 45 years. You aren't concerned about cash value growth, but do seek an affordable and efficient way to transfer assets to your grandchildren.
  • Your children have graduated from college and have left the nest. You no longer need access to cash value, but still need flexible life insurance coverage to cover final expenses after you pass away.
Calculate My Needs

How Much Life Insurance Do You Need?

Figuring out how much life insurance to buy depends on your annual income and how long your family will need to rely on this income. You can quickly determine your coverage amount by answering three simple questions. For a more detailed analysis, try our advanced calculator, which takes into consideration your assets, debt, final expenses, childcare and education costs.
How many years is your family relying on your annual income?
Advanced Calculator
Final Expenses
Coverage Amount $0
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Details About This Universal Life Insurance

Protection Life offers a level death benefit with the flexibility to increase and decrease coverage as needed. Paying the required minimum No Lapse Guarantee premium is required and paying excess will allow your cash value to grow more rapidly.

You can get additional protection by choosing from a number of riders or options. These riders give you the flexibility to customize your Universal Life policy to meet your specific needs. The following riders are currently available in most states: Accelerated Death Benefit or Accelerated Death Benefit Plus, Accidental Death Benefit, Children's Term, Guaranteed Insurability, Other Insured, Owner Waiver of Deductions, Supplementary Term and Waiver of Deductions.

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Learn about our universal life insurance, and determine if it's the best choice for your needs.


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Life Insurance Facts

84% of Americans would agree most people need life insurance, yet when asked, only 70% said they needed any. (Insurance Barometer Study Limra & Life Foundation 2017)

In the event of a tragedy, life insurance can help pay bills, continue a family business, finance children’s education and protect spouse’s retirement plan. (LIFE Happens, 2017)

If the primary wage earner died, 62% of families would immediately have trouble meeting everyday living expenses. 43% of families would have trouble meeting expenses after several months. (Trends in Life & Insurance Ownership Limra 2016)

One in Five households with children under age 18, have no insurance whatsoever. (Limra Facts About Life2016)

Over 100 million adults without life insurance in the United States (“2015 Insurance Barometer Study”, Ashley Durham, LIMRA and Life Happens, April 14, 2015)

7 in 10 U.S. households own life insurance on average the only own enough to replace their household income for 3 years (2016 Insurance barometer Limra)

Almost 45% of U.S. Households say they are likely to buy life insurance in the next 12 months. (Limra Facts About Life 2016)

43% of those age 25-44 are concerned with leaving dependents in a difficult situation should they die prematurely. (2015 Insurance Barometer Study, Life Happens and LIMRA)

Top three reasons for not having life insurance are: 66% say it’s just too expensive for them. 66% say other financial priorities take higher precedence. 54% feel they have as much as they need right now. (Insurance Barometer Survey, 2017)

We can help you insure the ones you love. Start Now.

Western & Southern Financial Group

The Western and Southern Life Insurance Company, Cincinnati, OH, operates in DC and all states except AK, CT, ME, MA, NH, NY, and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY, and RI.

©2017 Western & Southern Financial Group, Inc. All rights reserved.

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Flexible Premium Adjustable Life Insurance Policy series 0807-4001 WSA, Accelerated Death Benefit Rider 1208-2620 WSA, 1208-2621 WSA, Accidental Death Benefit Rider 9401-1540 WSA, Children Term Life Insurance Rider 0204-1560 WSA, Guaranteed Insurability Rider 0204-1570 WSA, Other Insured Term Rider 0807-1556 WSA, Owner Waiver of Deductions Rider 0204-1550 WSA, Additional Term Life Rider series ICC12 1208-1564 WSA, Waiver of Deductions Rider 0204-1545 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, NH, NY and RI.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.

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