Guaranteed Universal Life

No-Lapse Guarantee

Guaranteed Death Benefit For The Duration The Client Chooses Guaranteed No Premium Payments Beyond Age 100. Guaranteed Policy Expenses — No Hidden Fees

Meet The Needs Of Your Clients Looking For:

1. Guaranteed Death Benefit Protection
2. An Alternative To Whole Life
3. A Traditional Universal Life Policy With Solid Guarantees
4. A Tool For Estate Planning
5. A Vehicle For Legacy Building

Key Benefits

1. Financial Security – Gain Guaranteed Death Benefit Protection When It’s Needed Most.
2. Protection For Unexpected Illness – Accelerate A Portion Of The Death Benefit When Certain Conditions Are Met To Help Cover The Cost Of Care Or Other Expenses.
3. Flexibility – Should Your Needs Change, You May Exchange Your Policy To Meet Your Coverage Needs.
4. Control – Customize Your Policy To Meet Your Needs With Available Riders And Endorsements.

Money-back guarantee 

Most products include this feature in year 15, 20 and 25.

Coverage Length

This feature can be “dialed in” to help customize the length of coverage.

Most products allow a minimum of coverage to age 85 and all the way out to age 121

Living Benefits

This feature covers Terminal, Critical, and Chronic Illness. Payment amounts are based on the severity and life expectancy. 

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