Features that Add Flexibility

GUL comes with the following living benefits, all at no additional charge. These features provide your clients with flexibility for whatever their future holds.


If the insured is diagnosed with a terminal or chronic illness, the client has an option to access a portion of their death benefit early. This money can provide a little more comfort during a difficult time or can be used to help cover the costs of long-term care.

Guaranteed Universal Life STOP and take a look!


If the client no longer needs their coverage, our GUL policy has a Guaranteed Refund Option rider. This option provides the client with seven 60-day windows in which they can receive their premiums back – up to 50 percent at the end of year 15 and up to 100 percent at the end of years 20, 21, 22, 23, 24 and 25.1,2 This money can be used to supplement retirement savings, purchase an income annuity, pay for long-term-care insurance, invest in a vacation home or for any reason the client chooses.

1 The Guaranteed Refund Option rider is not available for substandard or tobacco cases under age 50 or for substandard tables 5-16 at ages 50 and above. In order to remain eligible for the rider, the client must continue to make their required premium payments as defined in the rider (GUL). 2 The refund amount is capped at 50 percent of the policy’s lowest face amount and is reduced by any previous withdrawals and outstanding loans.