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.