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Protection Universal Life

With Protection Life you will receive permanent protection with a low premium that will guarantee the death benefit forever. Protection Life does not build the cash values that Ultra Life builds. Protection Life is for those individuals who are looking for a low-cost death benefit but who do not need the cash values as they have built up cash in other vehicles (bank CDs, IRAs, 401(k)s, etc.).

Protection Life offers a level death benefit with the flexibility to increase and decrease coverage as needed.*

Face Amounts and Age Limits

Issue Age and Face Amounts
Issue Age Face Amount
Product Name Minimum Maximum Minimum Maximum
Protection Life 0 80 $25,000 Standard $100,000 Preferred None

Death Benefits

Option A
For Option A, the death benefit is the greater of (1) the selected amount of insurance or (2) the accumulation value on the date of death multiplied by the applicable percentage specified in the policy. Any outstanding loan will be deducted from the proceeds.


Premium Information

Paying the required minimum No-Lapse Guarantee Premium is highly recommended because it offers the longest death benefit guarantee possible. Paying a premium in excess of the Extended No-Lapse Premium will allow your cash value to grow more rapidly.


Available Riders

You can get additional protection by choosing from a number of riders or options. These riders give you the flexibility to customize your Universal Life policy to meet your specific needs. The following riders are currently available in most states:

Accelerated Death Benefit Rider or Accelerated Death Benefit Plus Rider (depending on underwriting qualifications)
The Accelerated Death Benefit Rider allows for early payment of a portion of the death benefit when the owner furnishes medical proof that the insured has a terminal illness and is not expected to live more than 12 months (24 months in some states). The Accelerated Death Benefit Plus Rider covers chronic illness (Permanent Confinement to a Nursing Home in IL, OR, VA, and WA) in addition to terminal illness. Please see rider for complete description of benefits by state.

Accidental Death Benefit Rider
The Accidental Death Benefit Rider provides for payment of an additional amount equal to the face amount to be paid out upon receipt of proof that the insured's death was accidental as defined in the rider.

Children’s Term Rider
The Children's Term Rider provides level term coverage on every insured child.

Guaranteed Insurability Rider
The Guaranteed Insurability Rider gives the insured the right to purchase additional insurance at specified later dates. The additional insurance is at standard rates and without evidence of insurability.

Other Insured Rider
The Other Insured Rider provides coverage for the insured’s spouse.

Owner Waiver of Deductions Rider
The Owner Waiver of Deductions Rider provides for the waiving of deductions on juvenile policies following the death or during the continued total disability of the owner.

Supplementary Term Rider
The Supplementary Term Rider provides an additional amount of term coverage on the insured.

Waiver of Deductions Rider
The Waiver of Deductions Rider provides that all deductions for the policy will be waived during the continued total disability of the insured.


Protection Life is issued by Western-Southern Life Assurance Company (NAIC code 92622), Cincinnati, Ohio.

Policy series numbers: 0807-4001 WSA

Rider series numbers: 0807-2621 WSA, 1208-2620 WSA, and 1208-2621 WSA


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Last Updated: 12/14/2017