Blended Strategy Solution

BLENDED STRATEGY SOLUTION Pairing term with lifetime protection for more tailored coverage Not FDIC/NCUA Insured Not Bank or Credit Union Guaranteed Not a Deposit Not Insured By Any Federal Government Agency May Lose Value Protective refers to Protective Life Insurance Company and Protective Life and Annuity Insurance Company. For Financial Professional Use Only. Not for Use With Consumers.

Life insurance isn’t always one size 昀椀ts all Not all life insurance needs are easily solved with a term policy. But permanent products aren’t always the right answer either. When clients realize their full need can’t be met with a single life insurance solution, they may feel intimidated and unsure where to turn. Clients need creative solutioning That’s why clients turn to you. They trust you to think creatively and 昀椀nd a solution that can 昀椀t their unique situation — and sometimes, that means strategically blending two unlikely products to work together cohesively. Here’s a creative approach to meet your clients’ life insurance needs through a blended solution strategy. Meet Thomas Age: 40 Underwriting Class: Non-Tobacco He needs life insurance protection that can ensure his wife can pay o昀昀 the mortgage and debt — in case he’s not around — while also covering his young children’s future college expenses. He’s willing to assume some market risk but doesn’t want to risk his death bene昀椀t coverage. After completing a life insurance needs analysis with his 昀椀nancial professional, they estimated he will need $500,000 in coverage. His 昀椀nancial professional presents considerations for two life insurance solutions: Type of Death Years of Monthly insurance Product bene昀椀t coverage premium Pros and cons option Pros: ® • Budget-friendly term policy Short-term Protective • Meets his immediate needs coverage Classic $500,000 20 Years $54.80 Choice term Cons: • Won’t deliver coverage later in life Pros: ® • More comprehensively 昀椀ts his coverage needs Lifetime Protective • Potential for uncapped cash value accumulation coverage Strategic $500,000 Lifetime* $288.66 Objectives II VUL Cons: • Can’t a昀昀ord the monthly premium *Depending on product/market performance. For Financial Professional Use Only. Not for Use With Consumers.

The blended solution strategy After examining the family’s budget along with their short- and long-term needs, his 昀椀nancial professional ® suggests a strategy that blends Protective Classic ® Choice term and Protective Strategic Objectives II VUL. Protective Classic Choice term • $250,000 death bene昀椀t • 20 years of coverage • $30.56 monthly premium Protective Strategic Objectives II VUL • $250,000 death bene昀椀t • 60 years of coverage (Endow at age 100) • $152.74 monthly premium How it works: Tailored client coverage Protective Classic Choice term When you think creatively and o昀昀er $ $250k Death Bene昀椀t for $31/mo premium 500K a blended solution to your clients, Protective Strategic Objectives II VUL Death Bene昀椀t you can help give them a deeper $250k Death Bene昀椀t for $153/mo premium sense of 昀椀nancial security. In turn, you may also expand your client reach by receiving more $ referrals from your satis昀椀ed book 250K Death Bene昀椀t of business. $184/month premium payment $153/month premium payment Years 1 – 20 Years 21 – Lifetime* Contact your Protective In the illustration above, $500,000 in total death bene昀椀t coverage representative for help creating a blended is available for 20 years to address Thomas’ short-term needs. After year 20, he can cancel his term policy, leaving him with Protective solution that 昀椀ts Strategic Objectives II VUL to cover his remaining lifetime needs. your clients’ protection needs. *Depending on product/market performance 2

We’re Protective Protective provides protection that 昀椀ts your life, because we believe everyone deserves a sense of security and protection. We’ve been protecting people for over 115 years, delivering on our promises and pushing to do more for more people. Because we’re all protectors. protective.com Protective refers to Protective Life Insurance Company (PLICO), founded in 1907 and located located in Nashville, TN, and its a昀케liates, including Protective Life and Annuity Insurance Company (PLAIC) located in Birmingham, AL. Protective® is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos and service marks are property of Protective Life Insurance Company and are protected by copyright, trademark, and/or other proprietary rights and laws. Protective Classic Choice term, policy form number TL–21, and state variations thereof, is a level death bene昀椀t term life insurance policy to age 90, issued by PLICO and PLAIC. Policy form numbers, product features and availability may vary by state. Consult policies for bene昀椀ts, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Bene昀椀ts adjusted for misstatements of age or sex. IPremiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company. Variable universal life insurance policies issued by PLICO and PLAIC. Securities o昀昀ered by Investment Distributors, Inc. (IDI), the principal underwriter for registered products issued by PLICO, its a昀케liates. PLICO is located in Nashville, TN; PLAIC and IDI are located in Birmingham, AL. Strategic Objectives II is a variable universal life insurance policy that involves the risks of investing in stocks, bonds and other securities; market, interest rate and credit risk; and, loss of principal. If the investment performance of underlying investments is poorer than expected (or if su昀케cient premiums are not paid), the policy may lapse or not accumulate su昀케cient value to fund the intended application. Investments in variable universal life insurance policies are subject to fees and charges from both the insurance company and the managers of underlying investments. Loans and withdrawals may negatively impact policy value, investment performance, death bene昀椀t, and any Lapse Protection. Variable universal life insurance policy issued under policy form number ICC19 – V15 and state variations thereof. Product features and availability may vary by state. Investors should carefully consider the investment objectives, risks, charges and expenses of Protective Strategic Objectives II Variable Universal Life insurance and its underlying investment options before investing. This and other information is contained in the prospectus for Protective Strategic Objectives II Variable Universal Life and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800-456-6330. Not FDIC/NCUA Insured Not Bank or Credit Union Guaranteed Not a Deposit Not Insured By Any Federal Government Agency May Lose Value CLBD.5223 (05.24) For Financial Professional Use Only. Not for Use With Consumers.