Lasting Guarantees, Protection

and Flexibility

Universal Life Insurance

Secure Lifetime GUL 3 Video

Eye Opening Health Statistics Helpful Retirement Statistics
Eye Opening Health Statistics Helpful Retirement Statistics

Secure Lifetime GUL 3

Guaranteed Universal life insurance with the flexibility to adapt to changing needs. 


A guaranteed universal life insurance policy that combines long-term financial security with the flexibility to adapt to changing needs, Secure Lifetime GUL 3 now includes Optionality®, a unique package providing you with life insurance that offers long-term protection and maximum flexibility. You select the coverage amount, the duration of the death benefit guarantee and how long you want to pay premiums. You can build guaranteed cash value that can be accessed through future withdrawals.

Wondering how much life insurance you need? Use our helpful calculator.

Who could benefit?
  • Those that need the death benefit protection of life insurance.
  • Adults 40 – 75 years old and in reasonably good health.
  • Anyone qualifying who wants to avoid risk but maintain strong guarantees.
  • Those that need to provide cash or replace income following their death.
  • Someone seeking a life insurance policy that can adapt to changing circumstances.
  • Persons seeking additional protection against outliving their income.

What are the highlights?
  • Secure Lifetime GUL 3 provides long-term guarantees to protect your policy from lapse.2 Unlike other products of its kind, it can build substantial long-term guaranteed cash value and adapt to future needs by allowing policy owners:
    • Choice of coverage amount, duration of death benefit and length of time to pay premiums based on individual needs. 2 
    • Guaranteed cash value, independent of interest-rate fluctuations.
    • Guaranteed Return of Premium should your needs change or you no longer need life insurance coverage, you can surrender the policy in year 20 and receive 50% of premiums paid, or in year 25 and receive 100% of premiums paid, up to 40% of face amount. 

  • Lock-in options that provide guaranteed income.  In addition to the base policy guarantees, Secure Lifetime GUL 3 offers two ways you can receive significant guaranteed benefits while you’re still living!  Imagine.  You could be the beneficiary of your own policy.
    • Accelerated Access Solution®3 - If you suffer a qualifying chronic illness, the Accelerated Access Solution rider will provide access to your tax-free death benefit.
    • Guaranteed cash value, independent of interest-rate fluctuations.
    • Lifestyle Income Solution®3 - There’s no question that Americans are living longer, and the new Lifestyle Income Solution rider may help you make those extra years more satisfying.  Beginning at age 85, it enables you to translate your death benefit into a stream of supplemental income.

 
1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event.

2
Subject to the policy’s terms and conditions.

3
Restrictions Apply.


Guarantees are backed by the claims-paying ability of the issuing insurance company. This product is not available in the state of New York. Policy Form Numbers 15442, ICC15-15442; Rider Forms 13600, ICC13-13600, 13601, ICC13-13601, 82012, 82410, 88390, 15990, ICC15-15990, 15972, 91401, 82001.


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