Guaranteed Universal Life (GUL) insurance offers affordable lifetime coverage with premiums that never increase. It’s ideal for people who want permanent life insurance without paying high whole-life prices.
⭐ What Is GUL?
GUL is permanent coverage designed to last until age 90–121 depending on the plan.
Your rate is locked in at approval and your coverage never decreases.
Key benefits:
- Lifetime coverage
- Guaranteed level premiums
- More affordable than whole life
- Great for final expenses, income protection, and legacy planning
- Simple and predictable — not tied to market performance
🧓 Optional Long-Term Care (LTC) Rider
Many GUL policies allow an LTC Rider, giving you access to part of your death benefit early if you cannot perform 2 of 6 Activities of Daily Living (ADLs) or have a qualifying cognitive impairment.
LTC rider benefits:
- Helps pay for home care, assisted living, or nursing care
- Protects retirement income and savings
- Much cheaper than buying stand-alone LTC insurance
🧾 Why Choose GUL?
- Rates never change
- Coverage lasts a lifetime
- Excellent for retirement planning
- Ideal for adults 40–80
- Predictable and easy to understand
📞 Get a Free GUL Quote Call 410-240-9252.
Compare multiple companies side-by-side.
👉 Visit: https://lifecarebenefitservices.com/