Protective
UNIVERSAL LIFE SERIES

Protective 100 Plus

Long-term performance cash values 20 years and beyond – accumulation product.  Minimum face amount is $100,000.  Target market age 50 & under.  Issue Ages:  Preferred 18-70, Non-Smoker 0-80, Tobacco 15-80 and Smoker 15-80.

Protective 100

High cash value accumulation  in early years.  Minimum face amount is $100,000.  Issue Ages:  Preferred 18-70, Non-Smoker, 0-80, Tobacco 15-80 and Smoker 15-80.

Protective Classic

Term-alternative permanent coverage.  Target premium will typically carry to age 95 or beyond.  Low level premiums.  Minimum face amount is $100,000.  Issue Ages:  Select Preferred 18-75, Preferred 18-85, Non-Smoker 18-85, Tobacco 18-85 and Smoker 18-85.

Protective Select UL II

Emphasis on death benefit guarantees.  Lifetime Lapse Protection-guaranteed to age 120 – extremely competitive.

Especially strong age 55 and up.  Dial-up death benefit guarantees.  Catch-up provision.  Minimum face amount is $100,000.  Issue Ages:  Select Preferred 18-75, Preferred 18-85, Non-Tobacco 18-85, Preferred Tobacco 18-75 and Tobacco 18-85.

Protective 1000G

Excellent product performance for small case market.  Minimum face amount is $50,000(under age 35) and $10,000 (age 36 and up).  Issue Ages:  Non-Smoker 0-85, Tobacco 15-85 and Smoker 15-85.

Protective Trailblazer Plus

Excellent product performance for smaller cases under $100,000.  Low level premium to endow.  Minimum face amount is $50,000.  Issue Ages:  Preferred 18-70, Non-Smoker 18-85 and Smoker 18-85.

Protective 500 UL

Designed for large case marketplace.  Low targets.  Minimum face amount is $500,000.

Issue Ages:  Preferred 18-70, Non-Smoker 18-80 and Smoker 18-80.

Protective Survivor UL

Traditional Survivor UL.  Low premiums.  No COI after JEA 100.  Minimum face amount is $250,000. 

Issue Ages:  JEA age 20-85.

Protective Survivor Select UL

Lifetime guaranteed lapse protection to age 120.  No COI after  younger insured age 100.  Very competitive.

Minimum face amount is $250,000.  Issue Ages:  Preferred 18-85, Non-Tobacco 0-85, Preferred Tobacco 18-85 and Tobacco 15-85 (at least one insured must be age 20 or older).

Protective Custom UL

High target, high performance UL with emphasis on cash accumulation.  1035 loan carryover option.  Pay target all years and death benefit guaranteed for life.  Minimum face amount is $100,000.  Issue Ages:  Preferred 18-75,

Non-Tobacco 18-85, Tobacco 18-85 and Smoker 18-85.

**All products eligible for Table 4 to Standard Program except 1000G UL and Survivor Select UL.

TERM SERIES

PROTECTIVE TERM (PT)

PT10

Competitive term rates guaranteed for 10 years and convertible during entire term period or prior to age 75.  After initial term period, premiums increase annually based on insured’s attained age (nearest birthday).  Minimum face amount:  $50,000 (Band 1) and $100,000 (Band 2).  Issue Ages:  18-75 (Band 1) and 18-80 (Band 2). 

Policy fee - $90.

PT15

Competitive term rates guaranteed for 15 years and convertible during entire term period or prior to age 75.  After initial term period, premiums increase annually based on insured’s attained age (nearest birthday).  Minimum face amount: $50,000 (Band 1) and $100,000 (Band 2).  Issue Ages: 18-70 (Band 1) and 18-75 (Band 2). 

Policy fee - $90.

PT20

Competitive term rates guaranteed for 20 years and convertible during entire term period or prior to age 75.  After initial term period, premiums increase annually based on insured’s attained age (nearest birthday).  Minimum face amount: $50,000 (Band 1) and $100,000 (Band 2).  Issue Ages: 18-65 (Band 1 & 2).   Policy fee - $90.

PT30

Competitive term rates guaranteed for 30 years and convertible during initial 20 years of the term period or prior to age 75.  After initial term period, premiums increase annually based on insured’s attained age (nearest birthday).  Minimum face amount: $50,000 (Band 1) and $100,000 (Band 2).  Issue Ages: 18-45 (Band 1) and

18-50 (Tobacco), 18-55(Non-Tobacco) (Band 2) .  Policy fee - $90.

VALUE TERM (VT)

VT10

Competitive term rates guaranteed for 10 years and convertible during initial 5 years of term period  or prior to age 75.  Minimum face amount is $100,000.  Issue Ages:  18-80.  Policy fee - $90.

VT15

Competitive term rates guaranteed for 15 years and convertible during initial 5 years of term period  or prior to age 75.  Minimum face amount is $100,000.  Issue Ages:  18-75.  Policy fee - $90.

VT20

Competitive term rates guaranteed for 20 years and convertible during initial 5 years of term period  or prior to age 75.  Minimum face amount is $100,000.  Issue Ages:  18-65.  Policy fee - $90.

VT30

Competitive term rates guaranteed for 30 years and convertible during initial 5 years of term period  or prior to age 75.  Minimum face amount is $100,000.  Issue Ages:  18-50 (Tobacco) and 18-55(Non-Tobacco).  Policy fee - $90.