Protection for your loved ones Life insurance is protection — security for your loved ones when they need it most. Life insurance can help them avoid the added burden of 昀椀nancial pressures should something happen to you. Death bene昀椀t coverage The death bene昀椀t from your Protective Custom Choice UL policy can be paid directly to your bene昀椀ciaries to help replace your income, maintain their standard of living and even cover burial and 昀椀nal expenses. With Protective Custom Choice UL, you can also adjust your death bene昀椀t amount if your needs change, without having to buy a new, separate policy. After the 昀椀rst policy year, you can increase the death bene昀椀t amount (subject to underwriting), or after the third policy year, decrease it (subject to minimums and charges). Your death bene昀椀t coverage can be guaranteed for 10 to 30 years. Your policy will not lapse as long as your 1 planned premiums are paid. 1 Lapse protection guarantees the policy death bene昀椀t for the duration of the guarantee and does not cover cash or surrender value. Loans, withdrawals and other policy and premium changes will a昀昀ect the cost and length of protection. Failure to make premium payments as planned may cause the policy to lose lapse protection and premiums required to restore it could be signi昀椀cantly higher. Refer to the policy and endorsements for complete terms, conditions and limitations. 1