Guaranteed Universal Life Express features a simplified application and underwriting process plus flexible, affordable rates and a lifetime guaranteed benefit.

• 18-65 (tobacco)
• 18-70 (non-tobacco)

Individuals seeking guaranteed death benefit protection; Simplified application process; Quick issue

• $25,000 - $300,000
  (Ages 18-50)
• $25,000 - $250,000
  (Ages 51-60)
• $25,000 - $150,000
  (Age 61+)

• Standard NT
• Standard T

N/A

First 19 policy years

Monthly Policy Fees:

• $5 policy fee
• A monthly charge per $1,000 of the specified amount
• Cost of insurance for current month
• The monthly rider cost for the current month

Premium Charge:

• 10% premium charge for all years on each premium payment

• Accel. Death Benefit for Terminal and Chronic Illness Riders*
• Waiver of Surrender Charges for Partial Withdrawals Rider*
• Guaranteed Insurability Rider*
• Dependent Children's Rider
• Accidental Death Benefit Rider
• Association Group Disability Rider
• Disability Continuation of Planned Premium Rider
• Disability Waiver of Policy Charges Rider

*Included in the policy

3%

Years 2+:

• Charge 5.66% in advance
• Credit 3%
• $500 minimum loan amount

• $100 handling fee
• $500 minimum withdrawal

The guaranteed coverage can be a maximum of lifetime coverage to age 120 or a minimum of age 80 (20 years for ages 61 and above).

• Simplified underwriting
• Quick issue process
• Ability to 'catch-up' missed premium payments
• Offers 'dial-a-guarantee' option
• .50% Interest Rate Bonus beginning 10th Policy Year