Guaranteed Life Insurance

Guarantee Tomorrow. Focus On Today

Guaranteed Life Insurance

Guarantee Tomorrow. Focus On Today

Guaranteed Life Insurance Policy – Guaranteed Universal Life Insurance

Customize the length of the guarantee and premium structure of your Guaranteed Universal Life Insurance

What Stands Out With A Guaranteed Life Insurance Policy?

Inexpensive

Never-Changing Premiums

Simple Plans

Define 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.

Our Policies Include The Following Riders At No Charge!

Guaranteed Refund Options

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Full Refund

This rider provides a refund of premiums paid upon a full surrender of the policy during a 60-day period following the 15th, 20th, 21st, 22nd, 23rd, 24th and 25th policy anniversary

Accelerated Death Benefit

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Up To 80% face value

This rider provides an accelerated death benefit if the insured provides evidence that their life expectancy is 12 months or less. amounts can reach a high as $1 million dollars

Benefits of A Guaranteed Universal Life Insurance Policy

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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!

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You can structure the premium payment lengths according to your preferences

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

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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

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

Find The Pros And Cons of Guaranteed Universal Life Insurance

MORE INFO

Side-by-side Comparison Between Mutual of Omaha’s Guaranteed Universal Life Insurance Plans

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 a 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.

because of their longevity, guaranteed universal life insurance policies are ideal for…

avoiding estate taxes

Leaving an inheritance behind

maximizing a pension

Guaranteed Universal Life Policy

FUN FACT

At Ages 60 And Up, Premiums For Guaranteed Universal Life Insurance Can End Up Lower Than Many Term Policies At The Same Rate!

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Speak With A Local Life Insurance Agent

Local Life Pro has over a thousand certified, licensed life insurance agents scattered throughout the 50 states. We guarantee to have one nearby that knows all the plans in your area, as well as granting you the opportunity to meet in person to discuss better plans available. Your information is safe with us. Fill out the form to have a agent call you shortly.

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