Life Protection Advantage Indexed Universal Life

Life Protection Advantage is an indexed universal life policy emphasizing long-term, affordable death benefit protection along with flexibility for the future. The growth in the policy is typically used to help extend the policy’s death benefit coverage beyond the no-lapse protection period.

Issue Ages: 0-85 (Age Last Birthday)

Minimum Face Amount: $100,000

Riders included in the policy: Guaranteed Refund Option, Accelerated Death Benefit for Terminal and Chronic Illness Riders, Lapse Guard Rider

Riders Available: Guaranteed Insurability Rider, Accidental Death Benefit Rider, Disability Continuation of Planned Premium Rider, Disability Waiver of Charges, Dependent Children’s Rider, Additional Insured Term Rider

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlyForms11/20/2025Click Here
Advisor Use OnlyDiscover IUL Advisor Microsite04/01/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide04/23/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Guide08/20/2025339361Click Here
Consumer UseLong-Term Care Rider Consumer Brochure08/20/2025339358Click Here
Consumer UseGrandparents Consumer Brochure04/01/2026213129Click Here
Advisor Use Only“Chronic Illness or LTC Rider — Which is Right for Your Client?” Advisor Flyer08/20/2025345506Click Here
Advisor Use OnlyMutual Perks Advisor Flyer11/11/2025461403Click Here
Advisor Use OnlyAccelerated Death Benefit Riders Flyer11/11/2025232885Click Here
Advisor Use OnlyAdvisor Guide08/20/2025391803Click Here
Advisor Use OnlyLife Product Portfolio04/01/2026388793Click Here
Advisor Use OnlyLong-Term Care Rider Information and Underwriting Guide04/01/2026345501Click Here
Advisor Use OnlyAccelerated Death Benefit Riders FAQ04/01/2026388197Click Here
Advisor Use OnlyState Rider Approvals Grid04/01/2026386462Click Here
Advisor Use OnlyLong-Term Care Rider Flyer04/01/2026345504Click Here
Advisor Use OnlyGuaranteed Refund Option Rider Advisor Flyer04/01/2026232886Click Here
Advisor Use OnlyLong-Term Care Rider Competitive Snapshot Flyer04/01/2026450595Click Here

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Life Protection Advantage Indexed Universal Life
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Life Protection Advantage Indexed Universal Life
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