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Surprises are fun, just not in your IUL.

Introducing IUL Protect, a true IUL for protection today and tomorrow.

Learn about IUL Protect

Our enhanced IUL Protect is transparent and clear – and is now competitive in level-, short- and single-pay scenarios. Designed for long-term protection, it has simple, reliable caps and a fixed options budget.

But some IULs come with surprises that aren't so much fun.


It's a tale of two IULs:
The market is changing. Now, there are two types of protection IULs, with two different approaches. And while plot twists and surprises may be great in novels and movies, they're not fun in IULs.
Two servings of cotton candy
1. True IULs, like IUL Protect:
These products are clear and transparent, offering long-term protection and low, steady premiums. For clients, that means:
  • Strong cash value and policy protection, with greater viability and less market risk.
  • Simple guarantees and straightforward performance.
Variety of gumballs in clear gumball machine.
2. High-exposure IULs:
These offer lower premiums but may contain unexpected and unwanted surprises, like added hidden charges which increase the long-term risk. For clients, that means:
  • A policy that's more sensitive to volatility, even with a 0% floor.
  • The potential for sudden increases in premiums to keep their policy from lapsing.
Three hard candy lollipops
IUL Protect: A true IUL with no surprises
It offers protection for today and tomorrow, and focuses on those who want long-term stability and policy protection above all else, regardless of market conditions. IUL Protect provides clarity with simple, guaranteed protection and straightforward performance for your clients and their family.
Circular 'IUL Protect' candy label

Various aspects of the products compared including but not limited to features, benefits, expenses, insurance charges and loads will vary from company to company. Refer to the respective issuing company product materials and a specimen actual contract for details. Financial Professionals should conduct a product to product review to determine which product is more suitable for the client.

IUL Protect is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company, 1290 Avenue of the Americas, New York, NY 10104, and in all other jurisdictions by MONY Life Insurance Company of America, an Arizona stock corporation with its main administrative office in Jersey City, NJ. IUL Protect is co-distributed by AXA Network, LLC; (AXA Network Insurance Agency of California in CA; AXA Network Insurance Agency of Utah in UT; AXA Network of Puerto Rico, Inc. in PR); and AXA Distributors, LLC. When sold by New York state-based (i.e., domiciled) financial professionals, IUL Protect is issued by AXA Equitable Life Insurance Company.

IU-2432851 (2/2019)

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