Guaranteed Universal Life at Life

Guaranteed Universal Life. Guaranteed universal life insurance is a great fit if you want lifelong protection and a premium that’s lower than whole life. You select an age at which the policy ends (such as age 90, 95, 100.

Rates will not increase, and the policy will never cancel due to age. A guaranteed universal life policy may or may not include a cash value component. Younger families can afford term insurance, yet struggle early in life with the premium amounts accompanying whole life policies.

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Guaranteed life insurance policies bridge the gap between cheap temporary coverage (term) and expensive permanent coverage. Guaranteed universal life insurance can be looked at as a combination of term life insurance and permanent life insurance. The rates are much more affordable than whole life because gul doesn. A guaranteed universal life policy may or may not include a cash value component.