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Guaranteed Universal Life Insurance (GUL)

What is GUL?

Guaranteed Universal Life Insurance is an in-between policy that blends various aspects between Term and Whole LifeSince it lasts a lifetime, premiums will be higher than a term policy, but lower than a whole life policy.


Additionally, universal guaranteed life policies usually feature an option to decrease your death benefit if your needs change over time


Guaranteed universal life insurance is a great fit if you want lifelong protection and a premium that’s lower than Whole Life.


Some common uses include:

  • When you expect to owe a large estate tax bill

  • If you have a child with special needs who will need money for support after you’re gone.

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