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Universal Life Protector IV

Principal Universal Life Protector IVSM (UL Protector IV) provides guaranteed lifetime coverage at an affordable price. It is  a flexible premium universal life policy that helps ensure future obligations are met by providing guaranteed death benefit protection on a single life.

Important Information

All guarantees are subject to the claims-paying ability of the issuing insurance company.

In exchange for the death benefit, life insurance products charge fees such as mortality and expense risk charges and surrender fees.

Withdrawals and loans may decrease the amount of death benefit and cash accumulation value.

The policy rider descriptions are not intended to cover all restrictions, conditions or limitations that may apply. See the policy and rider for full details. Riders are subject to state variations and may not be available in all states. Some riders may require additional premium.

While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that none of the member companies of The Principal are rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.


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