If you focus just on the small illustrated premium adjustments and slightly longer guarantees in Protection UL 2018, you're going to miss the bigger story - Protection UL is now riding on a new chassis. As with all iterations of Protection UL, it's really three products (base chassis, Persistency Measure, shadow account) in one, but the new version has aligned the Persistency Measure and the shadow account to streamline the product. The base chassis has also been modified with higher COI charges and higher base charges in single pay or short pay scenarios.