Guaranteed Life Insurance


Guarantee Tomorrow. Focus On Today

What is Guaranteed Universal Life Insurance?

Guaranteed Universal Life (GUL) insurance coverage offers fixed premium rates throughout the life of the policy, just like a duration policy. While duration policies offer fixed rates to get a particular number of years (10, 15, 20, 25, 30), GUL policies are set to particular ages (90, 95, 100, 105, 110, as well as 121). The later the age, the more complex the chances of your policy paying a death benefit out, and the larger the price.

With this in your mind, you’ve got the possibility of tailoring your GUL coverage to budget, life expectancy, and your needs. In several cases, notably following the age of 60, guaranteed universal life could be even less expensive than a term life coverage that is comparable.

In addition to the death benefit, a universal life policy also contains cash value. The cash value grows tax-deferred, or tax free depending on the plan, until funds are withdrawn.

Universal life insurance provides an additional level of flexibility, which makes it stand out from Term and Whole life insurance. It allows policy owners to modify the amount and frequency of premium payments as long as there is sufficient cash value in the policy to cover monthly deductions.

What Stands Out With Guaranteed Life Insurance?



Never-changing Premiums


Simple Plans

Policy Options

Your policy comes with many different options including the following

Guaranteed Issue Life

Guaranteed Issue Insurance is a type of financial-protection coverage that delivers cash into a named beneficiary upon the insured’s passing. What makes it special is that the providers offer this to applicants no matter their health.


Disability Income

A disability income rider is a very valuable add-on available to policyholders when they seek a life insurance policy. Disability Life Insurance is an available option under Term Life, Whole Life, Universal Life, and Guaranteed Universal Life Insurance policies through Local Life Pro.Today.


Permanent Life Insurance

Permanent insurance provides lifelong protection, and the capacity to accumulate cash value on a tax-deferred basis.

Return on Premium

A return of premium life insurance policy allows clients to make fixed payments to the insurer throughout his/her life, but, more importantly, guarantees the return of the original amount paid into the policy.

Living Benefits

An accelerated death benefit rider (ADB) is a benefit that may be attached to a life insurance policy that permits the policyholder to receive cash advances from the death benefit in case of being identified as having a terminal / chronic / critical illness.

Benefits of A Guaranteed Universal Life Insurance Policy

Costs could be level for lifetime. You are able to choose the age they desire the death benefit assured to, whether it’s age 90, 95, 100, 105, 115 or 121!

You can structure the premium payment lengths according to your preferences

Premiums are unaffected by the market or interest rates with a Guaranteed life insurance policy

The factors that vary the costs of the plan aren’t too complex, making these plans simple to shop for individually or with a local life agent

Guaranteed universal life insurance is inexpensive compared to other permanent insurance option. the fixed premium plays a big role in this as you age.

Unlike traditional universal life insurance; guaranteed life insurance…

Does Not Increase In Cost

Your cost of insurance will not change, even as you get older or if your health changes.

Does Not Require Additional Money To Build Investment

You aren’t pouring extra money into your policy. Trust the financial experts on this. you’re better off putting your money into savings, or perhaps paying down your mortgage.

Guarantees A Death Benefit

GUL policies are set to specific ages (90, 95, 100, 105, 110, and even 121). The later the age, the higher the likelihood of your policy paying out a death benefit, and the higher the cost.

Is Less Expensive Than Whole Life Insurance

It does not build cash value, allowing you to keep your monthly payments low, and does not carry the expensive management fees of whole life. It does not build cash value, allowing you to keep your monthly payments low, and does not carry the expensive management fees of whole life.

Life Insurance Quotes Specialized For You

Find Quotes From Our Trusted Carriers And Get Life Insurance Coverage That Fits Your Needs Or Call A Specialized Health Insurance Agent For Help.

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