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Protection Life Universal Life Insurance

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.
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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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IMPORTANT DISCLOSURES

Flexible Premium Adjustable Life Insurance Policy series ICC18 1808-4001 WSA, Accelerated Death Benefit Rider ICC18 1808-2621 WSA, 1208-2620 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 ICC18 1808-1556 WSA and ICC18 1808-1555 WSA, Owner Waiver of Deductions Rider ICC19 1808-1550 WSA, Additional Term Life Rider series ICC18 1808-1564 WSA, Waiver of Deductions Rider ICC19 1808-1545 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except NY.

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.