Universal life insurance | Product guide What happens next? If you decide on a Protective Custom Choice UL policy, the application process begins next. Working with your 昀椀nancial professional, you’ll sign some forms and possibly answer a few medical questions. You’ll also complete the application, select your face amount and choose any optional bene昀椀ts or riders. We’ll work with you to schedule a life insurance physical examination, which is usually completed in your home. The underwriting process usually takes a few weeks. Our underwriters review your application and the results of your physical examination and may request medical records or additional information to help determine your risk and quali昀椀cation for coverage. If approved, you’ll receive a copy of your policy. Be sure to notify your bene昀椀ciaries and keep the policy with your other important documents. Remember, paying your premiums on time keeps your guarantee of coverage in force. We encourage you to review your policy and annual report regularly to make sure your strategy continues to be aligned with your goals. 4