About Protective Custom Choice UL When you apply for a Protective Custom Choice UL policy, you are classi昀椀ed in an 10-Year Plan 18–75 underwriting category (Select Preferred, Preferred, Non-Tobacco or Tobacco). These categories are based on current health and 15-Year Plan 18–70 medical history and determine your policy rates. Each initial level bene昀椀t period also has issue age restrictions. 20-Year Plan 18– 65 (18–63 for Tobacco class) The minimum policy face amount (death bene昀椀t) is $100,000, and after your initial 25-Year Plan level bene昀椀t period, this minimum is 18–55 (18–52 for Tobacco class) $10,000. There is no set maximum face amount. This applies to all issue ages and 30-Year Plan 18–55 (18–43 for Tobacco class) all underwriting classes. There are certain fees and charges associated with a Protective Custom Choice UL policy. The premium load charge is deducted from your premium payments before they are applied to your policy. While your policy is in force, all payments are subject to a 25% premium load. And depending on your policy, you will see monthly deductions that include charges for expenses and the cost of insurance. 3