Now available to quote in all states


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Offer clients two choices for affordable, guaranteed protection

Principal Universal Life Protector VSM (UL Protector V) and Principal Survivorship Universal Life Protector IIISM (SUL Protector III) have new premium rates, effective June 8, 2020. The updated products are now available to quote and sell in all states.

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Why the re-prices?

These re-prices reflect the recent drop in interest rates. Premium rates will change as follows:

  • On average, UL Protector V rates will increase 4-14% depending on the payment scenario and policy characteristics.
  • On average, SUL Protector III rates will increase 11-12% depending on the payment scenario and policy characteristics.

As previously communicated, premium limits are still in effect.

What makes these products a good fit for your clients?

  • Both provide certainty, even during uncertain times, with insurance coverage they won’t outlive—as long as premiums required to maintain the Lapse Protection Guarantee are paid.
  • They can meet a variety of individual and business needs, including income replacement, final expense payment, legacy and estate planning, and business succession and business protection strategies.
  • They’re attractive options for term conversions (insureds of the term policies must match insureds of the survivorship policy).
  • Both are eligible for the time-saving Principal Accelerated UnderwritingSM.
Get UL Protector V
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Get SUL Protector III
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Insurance products issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. in NY. Plan administrative services offered by Principal Life. Principal National and Principal Life are members of the Principal Financial Group®, Des Moines, IA 50392.

Guarantees are based upon the claims-paying ability of the issuing insurance company.

For financial professional use only. Not for distribution to the public.

© 2020 Principal Financial Services, Inc. Principal, Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group.

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LF1253 | 1185456-052020 | 05/2020