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GUL Express


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

Issue Ages

(Age Last Birthday)

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

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

Face Amounts
  • $25,000 - $300,000
    (Ages 18-50)
  • $25,000 - $250,000
    (Ages 51-60)
  • $25,000 - $150,000
    (Age 61+)
Underwriting Classes
  • Standard NT
  • Standard T
Table Rates / Table Rate-Up Percentage


Surrender Charges

First 19 policy years

Expense Loads

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

(Some restrictions may apply)

  • 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

Guaranteed Interest Rate


Low-Cost Loans

Years 2+:

  • Charge 5.66% in advance
  • Credit 3%
  • $500 minimum loan amount
Partial Withdrawals
  • $100 handling fee
  • $500 minimum withdrawal
No-Lapse Protection

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).

Other Product Features
  • 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


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