Guaranteed Universal Life and Survivorship Life Insurance Options
Peace of Mind at Ultra-Low Cost
Guaranteed UL & SUL life insurance policies are the funding vehicle of choice in settings where guaranteed death benefits at the lowest possible cost are top priority. Their simplicity & transparency provide peace of mind based on strong contractual guarantees without moving parts.
Guaranteed single pays (1035s), short pays, and full pays provide funding flexibility. If you find yourself in a competitive setting for permanent life insurance, let’s survey the industry and identify winning solutions for you.
Order FREE GUL/SGUL Market Survey:
Meet John & Debbie
John, M, 50, no tobacco use, healthy executive
Debbie, F, 50, no tobacco use, healthy scientist
Goal: $1,000,000 benefit for their Special Needs daughter
Guaranteed annual premium = $6,552
Guaranteed 20-pay premium = $8,630
Guaranteed 15-pay premium = $10,781
Guaranteed 10-pay premium = $16,444
Meet Joyce
Joyce, F, 51, non-tobacco use, healthy data analyst
Owns a WL policy with a death benefit of $873,456
Existing policy requires annual premiums of $9,384 indefinitely
Net 1035 value of her WL policy is $246,721
Goal: No more premiums, max guaranteed DB for 1035 values
Market survey identifies a $1,391,513 GUL solution
Meet Paul & Janet
Paul and Janet are both 42, no tobacco, in excellent health
Attorney: fund an ILIT with a $10M guaranteed SUL policy
Goal: fun the policy over 10 or 20 years
Guaranteed 20 pay premiums = $58,620
Guaranteed 10 pay premiums = $111,610
Meet Abby
Abby, F, 62, no tobacco, healthy author
Goal: diversify $1M of her investment portfolio
Question: best to fund all at once, over 5 years, or over 10 years?
$1M Single Premium guarantees a DB of $3,231,510 (MEC)
$200,000 x 5 guarantees a DB of $3,163,261
$100,000 x 10 guarantees a DB of $2,908,333
Meet Sam & Kim
Sam, M, 57; Kim, F, 52; no tobacco use, good health
Attorney recommends $50M life insurance to fund their ILIT
Goal: identify most cost-effective funding options
$402,050 paid every year will guarantee $50,000,000
$512,950 paid for 20 years will guarantee $50,000,000
$960,105 paid for 15 years will guarantee $50,000,000
$973,832 paid for 10 years will guarantee $50,000,000
Guaranteed UL / SUL Placements Made Easy!
GUL & SGUL policies are the vehicle of choice for for many personal, business, or estate tax funding scenarios where death benefits at the lowest possible cost are top priority.
Guaranteed single pays (including 1035s), short pays, and full pays provide maximum funding flexibility. Peace of mind comes from knowing that no matter what happens to interest rates, markets, or the economy, benefits will be paid.
When you find yourself in a competitive situation for permanent insurance, let’s survey the industry for the top solution(s). Let’s prepare you for that critical meeting with your most important clients – and let’s pre-empt any competition by giving you the tools you need to win the case.
Once you and your client have made a decision, we’ll offer to take the app, schedule the medical, and negotiate underwriting on your behalf. Place significant cases with minimal effort on your part. Turn The CPS Advantage to Your Advantage beginning today!
