Protective Survivor UL Rate Changes effective January 1st


On Monday, January 1st, Protective released a new version of their survivorship guaranteed universal life product, now called Survivor UL 1/18.  Per the Protective Life Bulletin released on Dec. 20, 2017:  "Due to the continued low interest rate environment, it has become necessary to increase the rates of our Protective Survivor UL product.  With this change, rate bands will be removed from the product." 

Additionally, Protective Survivor UL will be "non-illustrated" and the illustration will only show guaranteed values.  The signature requirement has been eliminated. 

Transition Rules:

  • All applications for Survivor UL 1/13 must be signed on or before December 31, 2017 and received by the home office on or before January 12, 2018.  These will have the illustrated version of the product.
  • All applications signed and received on or after January 1, 2018 will be issued on the new non-illustrated product, Protective Survivor UL 1/18.
  • Protective Survivor UL is only available through paper applications.


Please contact our BUA sales staff at 1-800-792-6795 with any questions.