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Guaranteed Universal Life Insurance

Are you an insurance agent looking for a product that can benefit your clients? Look no further than Guaranteed Universal Life Insurance! This type of insurance offers a unique combination of flexibility and security, making it an excellent choice for many individuals. In this blog post, we’ll dive into the details of what guaranteed universal life insurance is, how it works, and why it’s a great option for your clients.

To age 85 - 121


To age 85 – 121
Terminal, Critical, Chronic Illness

Living Benefits

Terminal, Critical, Chronic Illness
Available in Years 15, 20, 25

Return of Premium

Available in Years 15, 20, 25

1. Understanding Guaranteed Universal Life Insurance

Guaranteed Universal Life Insurance, also known as GUL, is a type of permanent life insurance that provides coverage for the entirety of a person’s life. Unlike traditional whole life insurance, GUL offers more flexibility in terms of premiums and death benefits. It allows policyholders to adjust their premium payments over time, which can be especially beneficial for those who experience changes in their financial situations.

2. How Guaranteed Universal Life Insurance Works

When a policyholder purchases GUL, they are essentially buying two things: a death benefit and a savings component. The death benefit is the amount of money that will be paid out to the policyholder’s beneficiaries upon their death. The savings component is known as the cash value of the policy. This cash value grows over time and can be accessed by the policyholder in the form of loans or withdrawals.

One of the main benefits of GUL is that the policyholder can choose between a level death benefit or an increasing death benefit. A level death benefit means that the payout amount stays the same throughout the life of the policy, while an increasing death benefit means that the payout amount will increase over time. This can be useful for policyholders who want to ensure that their beneficiaries will receive enough money to cover future expenses.

3. Benefits of Guaranteed Universal Life Insurance

Guaranteed Universal Life Insurance offers several benefits that make it an attractive option for many individuals. Here are just a few of the benefits that you can share with your clients:

  • Flexibility: As mentioned earlier, GUL offers flexible premium payments, making it easier for policyholders to adjust their policies as their financial situations change.

  • Security: Because GUL is a form of permanent life insurance, policyholders can rest assured that their coverage will remain in place for the duration of their lives.

  • Cash value: The savings component of GUL means that policyholders can access their cash value if needed, providing an additional level of financial security.


In conclusion, Guaranteed Universal Life Insurance is an excellent choice for many individuals who are looking for both flexibility and security in their life insurance policies. As an insurance agent, it’s important to understand the benefits of GUL so that you can accurately recommend it to your clients. By offering GUL as an option, you can help your clients achieve the peace of mind that comes with knowing they are protected for the long haul.


  1. What is the main difference between whole life insurance and guaranteed universal life insurance?

  2. Can the death benefit for a GUL policy be adjusted over time?

  3. How does the cash value of a GUL policy work?