Life Insurance for Short-Term Needs

LIFE INSURANCE FOR SHORT-TERM NEEDS Deciding between two solid choices Not FDIC/w Insured Not Bank or Credit Union Guaranteed Not a Deposit Not Insured By Any Federal Government Agency May Lose Value

We understand that one size doesn’t 昀椀t all. When it comes to life insurance coverage, you need solid choices that 昀椀t your speci昀椀c needs. Maybe you’re just starting your career and family, and need short-term protection with inexpensive premiums. Or, you might be looking for a bit more 昀氀exibility and coverage, without losing sight of your budget. Either way, we’ve got you covered. It’s that simple.

Classic or custom? ® Built with our customers in mind, Protective Life o昀昀ers two short-term solutions: Protective Classic Choice SM term and Protective Custom Choice UL (10-30). How do you know which is right for you? Follow the path below to 昀椀nd out. What is your top priority when choosing life insurance? Which do you rank higher? Sticking to my Coverage from a Flexibility in budget, a昀昀ordability. company I can trust. premiums and coverage. I’m unsure. I may need Which best to change my term in the describes you? future and I want to know there are options. I need coverage for a speci昀椀c period, no longer. Ask your agent about Ask your agent about ® Protective Classic Protective SM Choice UL Choice term Custom Either way, we’ve got you covered. It’s that simple.

Protective Classic Choice term: Streamlined, a昀昀ordable coverage for today’s needs. Who should Those seeking the most a昀昀ordable coverage to cover immediate needs, for a speci昀椀ed consider this policy? period of time. Policy type Term Short term options The following terms are available on these policies: 10, 15, 20, 25, 30, 35, 40 years Select Preferred, Preferred, Non-Tobacco, Tobacco Issue ages • 10-year plan: ages 18-80 (18-75 for tobacco) • 30-year plan: ages 18-58 (18-43 for tobacco) and risk classes • 15-year plan: ages 18-75 (18-68 for tobacco) • 35-year plan: ages 18-50 (18-40 for tobacco) • 20-year plan: ages 18-70 (18-62 for tobacco) • 40-year plan: ages 18-45 (18-40 for tobacco) • 25-year plan: ages 18-60 (18-52 for tobacco) What happens at With Protective Classic Choice term, at the end of your term, your coverage ends, unless you the end of the term? choose to extend. If you want to extend your coverage, your death bene昀椀t will remain level, but your premiums will increase. Grace period For times when you may have a late payment, we allow the following number of days 31 Days (61 days in California) after the premium due date to make your payment and keep your policy in force. You will be able to convert your policy during years 1 through 5 to the following products: ® SM • Protective Lifetime Assurance UL • Protective Advantage Choice UL SM • Protective Non-Par Whole Life • ProClassic Legacy UL ® SM • Protective Strategic Objectives II VUL • ProClassic II UL SM • Protective Indexed Choice UL Conversion options (Product availability may vary at You will have the following conversion options after year 5: the time of conversion.) • ProClassic Legacy UL • Protective Non-Par Whole Life (for 10-Year Term: Up to 8 years, for 15-Year Term: Up to 13 years, and for 20-, 25-, 30-, 35- and 40-Year Terms: Up to 18 years) Please con昀椀rm product availability in your 昀椀rm. Options available to customize your coverage: Riders and • Accidental Death Bene昀椀t Rider • Income Provider Option endorsements • Children’s Term Life Insurance Rider • Terminal Illness Accelerated Death Bene昀椀t Rider SM SM • Waiver of Speci昀椀ed Premium • Conversion Choice Rider with ExtendCare Premium 昀氀exibility You will pay a level premium either monthly, quarterly, semi-annually or annually in order to maintain your coverage level. Maturity age 95 Summing it up Protective Classic Choice term is for those who need to stick to a budget but want to make sure their loved ones are protected in case of death.

Protective Custom Choice Universal Life: Flexible, a昀昀ordable protection that stands the test of life. Who should Those who want a昀昀ordable coverage, but are interested in leaving options open for future consider this policy? coverage needs. They 昀椀nd conversion options and additional riders attractive and are willing to pay a little more in premium for that 昀氀exibility. Policy type Universal Life Short term options The following terms are available on these policies: 10, 15, 20, 25, 30 years Select Preferred, Preferred, Non-Tobacco, Tobacco Issue ages • 10-year plan: ages 18-75 • 25-year plan: ages 18-55 (18-52 for tobacco) • and risk classes 15-year plan: ages 18-70 • 30-year plan: ages 18-55 (18-43 for tobacco) • 20-year plan: ages 18-65 (18-63 for tobacco) What happens at With Protective Custom Choice UL, you can continue coverage past your term, keeping your the end of the term? same premium. Your death bene昀椀t will decrease post-term with your premiums remaining level.* Grace period For times when you may have a late payment, we allow the following number of days 61 Days after the premium due date to make your payment and keep your policy in-force. You will have the option to convert to any of the following options anytime in the 昀椀rst 20 policy years, up to age 70: • Protective Advantage Choice UL Conversion options • Protective Indexed Choice UL (Product availability may vary • Protective Strategic Objectives II VUL at the time of conversion.) • Protective Non-Par Whole Life • Protective Lifetime Assurance UL • ProClassic Legacy UL • ProClassic II UL Riders and • Accidental Death Bene昀椀t Rider • Income Provider Option endorsements • Children’s Term Life Insurance Rider • Waiver of Speci昀椀ed Premium • Terminal Illness Accelerated Death Bene昀椀t Rider Premium 昀氀exibility Premiums are 昀氀exible. Your agent can talk to you about how you can increase or decrease your premiums while keeping your policy in force. Maturity age No stated maturity age. Premiums and charges discontinue at attained age 121. Summing it up Protective Custom Choice UL is for those who are looking for a budget-friendly protection solution, but also seek 昀氀exibility and options to plan for life’s curveballs that may be down the road. * Premiums only remain level until the death bene昀椀t decreases to $10,000, after which premiums would start to increase.

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) located in Nashville, TN, and its a昀케liates, including Protective Life and Annuity Insurance Company (PLAIC) located in Birmingham, AL. Protective Custom Choice UL (UL-22), a universal life insurance policy and Protective Classic Choice term ( ICC16-TL21/TL-21) a level death bene昀椀t term insurance policy to age 90, are both 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. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company. 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. Not FDIC/NCUA Insured Not Bank or Credit Union Guaranteed Not a Deposit Not Insured By Any Federal Government Agency May Lose Value CLC.668993 (03.24)