Guaranteed Universal Life Insurance (GUL)

GUL is permanent life insurance with a fixed premium and guaranteed death benefit, regardless of market performance.
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Guaranteed Universal Life Insurance (GUL)

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: April 17th, 2023

Reviewed by Nick Fenske
Licensed Insurance Agent

Best Guaranteed Universal Life Insurance Companies

CompanyTimeRatingRecommendationQuote
American NationalRecommended.
Up to $1,000,000 with no exam.
Online application with agent assistance.
★★★★★
American National Reviews
Ages 18 - 50 up to 1,000,000. Ages 51 - 60 up to $500,000. Guaranteed Universal Life.Go
Corebridge FinancialRecommended.
Builds cash value
$100,000 - $2,500,000 in coverage
Guaranteed return of premium.
Medical exam required.
★★★★★
Corebridge Reviews
For those aged 18 - 80 looking for permanent coverage over $250,000.Go

What Is Universal Life Insurance?

Universal life insurance is a permanent life insurance policy that’s similar to whole life in that it combines a savings vehicle with lifelong (hence, “permanent”) coverage. If the premiums are paid as required, the policy will not expire and death benefits will be paid out to the beneficiary. Typically, universal life provides a “cash value” that mimics a whole life policy on the surface but offers greater flexibility. With universal life policies, the savings element, premiums, and death benefit can be changed as the policy holder’s situation changes.

Depending on the specific product, the cash value in a policy can be tied to a money market account or a major stock index, or it can be invested into equity funds and bond funds. Once you purchase a policy, the insurance company establishes a minimum interest crediting rate per the amount stated in the contract. If the company’s portfolio earns more than expected, a portion of the additional amount is credited to your account, up to the cap rate. This is how  policies can accumulate more cash value than whole life policies can.

Uses for Universal Life Insurance

For the most part, universal insurance serves the same purpose as other forms of life insurance — it serves as a financial protection and income replacement vehicle in the event of death. In the insurance world, you’ll see these types of life insurance policies being used more in advanced estate planning, after other tax-free/tax-deferred options (such as 401(k)s and IRAs) have been maxed out and people are looking for ways to minimize their current tax obligations that can’t be achieved with other investment vehicles.

How the Death Benefit Works

When it comes to the death benefit, you basically have two options: level or increasing.

With the level death benefit, the amount the policy pays out stays level throughout the life of the policy, and the policy will pay out either the death benefit or the cash value, whichever is greater. With an increasing death benefit, both the cash value and the death benefit increase over time, and both are paid out as part of the death benefit.

Which is better? That depends on your end goals. It’s a question best discussed with an independent life insurance agent.

How the Cash Value Works

Like whole life, universal life is permanent insurance. The difference between them lies largely in the cash value accumulation process. With universal life, the insurance company sets a minimum interest rate based on the contract for the policy (usually a low 2-3%). From there, if the insurance company’s overall portfolio gains in value, then part of the increase is added to the cash value of the company’s universal life policies, up to the maximum percentage amount listed in the policy contracts. If the company’s portfolio does not have a gain, or if it takes a loss, the insurance company is still obligated to pay the minimum interest stated in the policy contracts.

A major advantage to a universal life policy is that the cash value can be used to pay the policy’s premiums after a certain point — if the account has been built up enough to pay for the continual cost of insurance — although there are usually limitations as to how long you can do this. A whole life policy, on the other hand, will automatically take out a loan against the cash value if premiums are not paid.

With a universal life policy, premium payments go toward funding the savings component and the insurance component (i.e., the death benefit and administrative costs). For coverage to remain in force, the insurance component must be funded either through premium payment or a reduction of the cash value (if it has accrued enough). As long as the insurance component is funded, the contracted coverage is guaranteed to stay in effect.

How can you use the cash value that builds up in a universal life policy? You can either borrow against it (as in a loan) without tax implications, or you can withdraw part of the cash value, which may be subject to taxes. Always check with your financial adviser about potential pitfalls before withdrawing funds from a cash value policy.

Term Life Insurance vs. Universal Life Insurance

Universal life insurance is best understood as a “hybrid” of term life insurance and permanent life insurance, taking the best of both and adding in some unique features. The major difference between universal and term life insurance is that universal is meant to protect you for your entire life, whereas term is designed to protect you for a predetermined period. In addition, term life insurance does not have a cash value feature, and if a term life policy is canceled, then nothing is returned to you (unlike with a permanent life policy).

Universal life and term life insurance use pretty much the same calculations to establish premiums, but universal life averages the premiums for coverage to age 100 and charges you that average price for coverage. That’s why you pay more for this type of protection than for term life insurance.

Whole Life Insurance vs. Universal Life Insurance

The major difference between universal life insurance and whole life insurance is the overall flexibility of the premiums. As noted above, under certain circumstances universal allows you to use the cash value of your policy to pay your premiums if you need to — as long as the cost of insurance is covered. Whole life does not give you that option.

Both types of insurance allow for tax deferment of the cash value account and permit loans against the cash value. However, whole life does not let you increase or decrease the death benefit as your financial needs change throughout life. And although both policies offer the ability to skip premium payments (which is never advised) as long as certain conditions are met, a whole life policy creates a loan against your cash value that must be paid back, plus interest. With a universal life policy, the skipped premium is deducted from the policy’s cash value component.

The way interest accumulates is different, too. With universal life, interest is adjusted monthly, allowing for faster growth of the cash value. With whole life, interest is calculated on a yearly basis, which means the cash value increases more slowly.

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Universal Life Insurance Offers:

  • A cash value component that allows you to skip premium payments as long as there are enough funds built up to cover the cost of insurance. There may be an initial period — for example, the first year — in which you cannot access this feature of the policy.
  • The ability to increase and decrease death benefits, as needed, based on your current circumstances.
  • The ability to borrow against the cash value (in most cases).
  • The opportunity for the cash value component of the policy to grow on a tax-deferred basis (and so does universal life). Most whole life policies allow for withdrawals and loans.
  • A locked-in death benefit that will not increase or decrease while the policy is in force.
  • The ability to skip premium payments under certain circumstances. But the premium is deducted from the policy’s cash value as a loan you must repay, often with added interest.

Different Structures Of Universal Life Insurance

Universal life insurance comes in three basic structures. Availability largely depends on the insurance company.

Standard

This is the typical policy offered by almost every life insurance company. Simply put, it’s individual coverage that insures only one person.

Joint

Joint  covers two people. The death benefit is paid when the first person dies. Typically, couples purchase this type of policy to provide protection to the remaining spouse and the household. In some cases, it might make more sense to purchase a term insurance rider for the spouse on a different type of policy, if that option is available. It’s best to review all of your options before making a decision. We recommend discussing your choices with a licensed independent agent.

Survivorship

Survivorship looks a lot like joint, but it’s a “last to die” policy that only pays out when both insured parties die. This is not a practical policy for most people. It’s largely used in advanced estate planning to help prepare for coverage of estate tax if the insureds’ estate exceeds the overall federal threshold on estate taxation. Unless your estate is worth more than $10 million, you can most likely find better coverage with a different type of policy.

Guaranteed Universal Life

Guaranteed policies are probably the closest to normal term life insurance. They typically build up little to no cash value and do not offer the same kind of flexibility on premiums as other universal life insurance products. Guaranteed universal life insurance mimics term life insurance, only it offers coverage for the entire life of the policy holder instead of for a predetermined amount of time. These policies are often less expensive than a traditional policies.

Pros and Cons

Pros

Flexibility

Your financial needs rarely stay the same throughout your life. And during economic downturns, you may want to pay less to minimize potential losses (depending on the type of universal life policy you own), or you might want to pay the minimum required to keep the policy active. Universal gives you many options to customize your coverage.

Permanent coverage

As long as you pay the premium, you will have life insurance for the rest of your life.

Cash value accessibility

Similar to a whole life policy, you have access to the cash value of your policy for loans and withdrawals if you need it.

Tax-deferred growth

All growth in policies is tax-deferred, which means the IRS won’t bother you right away for taxes on the gains. Always consult with your independent financial adviser about potential tax obligations before withdrawing money from the policy.

Cons

Higher cost

Because of the fees and higher premiums, policies will usually cost you about four times more than a standard term policy.

Cost of insurance

When it comes to premiums, there are two types of universal life policies: LCOI and yearly renewable term.

LCOI, or level cost of insurance, is where the insurance company calculates the total cost to insure you and makes the premiums level — they never change throughout the life of the policy.

Yearly renewable term is similar to buying a new term life insurance policy every year, so the cost of insurance gradually increases. This method allows for lower overall cost during the early years, but coverage becomes more expensive the longer the policy continues.

Repayment of loans

Borrowing against your universal life policy could lower your death benefit, and you’ll be charged interest.

Super-low interest rates

The interest rates on most policies are extremely conservative (2-3%) and may not even offset inflation. You won’t get rich by owning a universal life insurance policy.

Real-Life Questions

Are universal life insurance policies a good investment?

They can be, depending on your overall goal. In many cases, people just want simple and basic coverage at the lowest price possible. In that scenario, a universal life policy may not be the best choice.

Other people are open to having lifelong coverage with a forced savings plan, and they understand that a universal life policy may not be the least expensive way to go. Overall, it depends on what you’re looking for when it comes to life insurance.

How much does a universal life policy cost?

The cost of the insurance is like any other form of insurance — it depends on the policy and the insurance company. A general rule of thumb is that it costs more than term life insurance and less than whole life insurance.

What is the best way to buy?

While exclusive or captive agents (e.g., those at State Farm and Allstate) may sell universal life coverage, they can only offer you the product their company sells.

An independent agent does business with multiple companies.

That makes it possible for an independent agent to shop around and find the best price and the best underwriting for your unique situation. We’ll help you understand your options. This gives you more control over your life insurance.

Why would a universal policy not be a good choice?

These policies are not for everyone. Most people are quite satisfied with term life insurance and don’t need or want the lifelong coverage of a permanent policy.

It just depends on your long-term plan and what you want life insurance to do for you. It’s best to talk with an experienced professional to determine whether a universal policy is a good fit for you.

When is the best time to buy?

As with any life insurance policy, the younger you are when you apply for coverage, the better. Your risk of death is lower, and you’re less likely to have a medical condition that would put you in a lower health rating class — which could negatively affect your overall premiums.

Where is the best place to buy?

Your best option is through an independent agency. An independent agent can act as your personal shopper, checking with dozens of insurance companies and providing you with multiple options that could work well for you. Independent agents know the intricate details of different insurance companies’ underwriting requirements and can ensure that you get covered by a company that’s right for you.

Universal Life Insurance Reviews

4.8 /5
Based on 85 reviews

Excellent
84%
Great
12%
Average
4%
Poor
0%
Bad
1%
Mar 13,2023
Dallas Hubbard Verified
Calvin,KY
It was very good process.
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Jun 03,2021
Clint Sparks Verified
Lucerne,IN
Protective Life Insurance was easy to work with and very professional. They provide excellent rates, especially for people age 50 or above. The application process was simple and the issued life insurance policy is easy to read and understand. Thank you Protective Life Insurance for all your help.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
20 years

Feb 23,2021
Gordon Hanson Verified
Richfield,MN
The process was smooth.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
10 years

Dec 22,2020
Anook Neal Verified
Jacksonville,FL
Very easy, painless process!
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Dec 08,2020
Russell Markman Verified
Sammamish,WA
see comments listed @Aaron
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
10 years

Jul 01,2020
April Friedrich Verified
Austin,TX
My experience applying for sagicor life insurance seemed like a lot of steps to go through but that may be normal (my first time), but the price of my quoted policy is a great premium!
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

May 01,2020
Tyler Underwood Verified
Houston,TX
The process was fast & easy
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
30 years

Mar 05,2020
Antonia Glascoe Verified
Indianapolis,IN
I like how detailed and prompt everyone is...Thank you glad l joined this team of workers
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 24,2020
Rita West Verified
Bartow,FL
5 stars, excellent service very quick process.
Company:
American National
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 18,2020
Megan Antal Verified
Westfield,IN
The process was painless and much faster than I expected. Rates were very competitive.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
Age 121

Nov 29,2019
Mmapatjane (Esther) Masemola Verified
Sunrise,FL
It was fast process I was really impressed
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Oct 24,2019
Angelica Adams Verified
Eastpointe,MI
Great service, fast turn around!
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Sep 03,2019
Ana Lee Verified
Concord,CA
My agent was efficient and kept me updated with progress.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Aug 30,2019
Melanie Moua Verified
Modesto,CA
One thing for sure I was not happy was that I got the life ins process done for my new policy at the end of August, and since the month of August almost was over;but the ins still charged me for it. I think that the month was almost over. The ins should not charge me for the month of August.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
Age 121

Aug 29,2019
Jeris Mitchell Verified
Springfield,MA
Overall experience was efficient, thorough and professional. Jennifer was helpful an explained product clearly. Overall rating is 4 out of 5.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Aug 19,2019
Renard Smith Verified
Humble,TX
Efficient and courteous!!!!! Jennifer was excellent
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Aug 14,2019
Kevin Beidelman Verified
Coon Rapids,MN
Very fast and easy to understand.
Company:
Protective Life & Annuity Insurance Co
Product:
Custom Choice UL
Policy length:
20 years

Jul 04,2019
Randall Cates Verified
Colorado Springs,CO
It was a nice quick process and I’m am very happy with the results
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

Jun 18,2019
Terri Hubbard Verified
Calvin,KY
I give her a 5 star she is great!!
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Jun 01,2019
Christopher Johnson Verified
Dallas,TX
It was brief but thrall I received all the information I needed and started my policy so my loves would be ok after I’m gone.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

May 16,2019
Tina Sanders Verified
Houston,TX
It was good,I didn’t have any problems.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

May 16,2019
Sophia Pee Verified
Columbia,SC
My agent Nikki was Outstanding!! Very professional and genuinely nice.The process was simple and Nikki explained with detail which made it easier for me. Thank you Nikki, your Rock!!
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life
Policy length:
To Age 121 Level (No Lapse U/L)

May 06,2019
Sheena Cauthorn Verified
Clinton,WA
The process was easy and informative.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Mar 20,2019
Michael Nilson Verified
Smithfield,UT
Very nice very helpful
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
Age 121

Feb 17,2019
Craig Dean Verified
Prescott Valley,AZ
Sagicor was very cooperative and patient as I looked at several other companies to find the best price and policy to fit my needs.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 12,2019
Rebecca Riddle Verified
Milwaukee,WI
It was a long process but they helped me gather everything I needed for approval and were responsive when I called for questions.
Company:
Protective Life & Annuity Insurance Co
Product:
Custom Choice UL
Policy length:
20 year

Feb 05,2019
Jamerial (Jacqui) Goss Verified
Chicago,IL
Top notch professional!!! I would recommend this company!! They emailed, texted, and call me to make sure I was in the loop of what’s was going on
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 01,2019
Thomas Ginyard Verified
Flint,MI
Awesome, Nikki was very friendly and explained everything and even accommodated my schedule
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
25 years

Jan 17,2019
Jessica Taylor Verified
Carat,VA
Rapid response. Clear and concise information
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Dec 19,2018
Michele Reidy Verified
Bonita Springs,FL
Very fast and efficient service
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Dec 17,2018
Chris Oberloh Verified
Covington,LA
I received a great quote much lower than competitors and without an exam which is impressive!
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Nov 09,2018
Sam Dupre Verified
,IN
Protective Life made the application and interview process simple and easy. I was able to do everything I needed online and my application was processed quickly.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
20 year

Oct 24,2018
Michelle Capone Verified
Huntington Beach,CA
Would like to have access to account on line.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Sep 14,2018
Christopher Neal Verified
Jacksonville,FL
So far so good. Have no complaints - great experience overall
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life
Policy length:
To Age 121 Level (No Lapse U/L)

Aug 27,2018
Cara Schmidt Verified
Yellville,AR
Just started but so far so good. Look forward to a long and mutual beneficial relationship.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Aug 07,2018
Holly Alewine Verified
Bowden,GA
I would recommend this insurance company because I got exactly what I was looking for and the premiums were great also. The process was really quick and easy.
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
Age 121

Jul 19,2018
Kelci Dotson Verified
Chattanooga,TN
Great experience so far.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Jul 17,2018
Karen Owens Verified
,OH
Very satisfied with the overall experience . Five stars
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
20 years

Jul 08,2018
Jerry West Verified
Bartow,FL
5 stars, excellent Insurance company. Great products to fit my needs, great price and quick approval.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Jul 04,2018
Myles (and Michael) Brown Verified
South Euclid,OH
I'm very satisfied with all of my policies.
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Jun 27,2018
Derrick Walker Verified
Roanoke,VA
Always superb customer service!!
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:

Jun 13,2018
Maurice Grable Verified
,GA
The overall very informative with no lapse in time consciousness.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

Jun 08,2018
David Robbins Verified
Johns Creek,GA
Several times during process there seemed to be significant confusion as to what needed to be done or lack of communication.I am not so sure that some of the issue is the IT organization or design within Protective.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
10 years

May 31,2018
Yvette Chambers Verified
,CA
Great. Seems legit so far.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

Apr 07,2018
Anthony Aucoin Verified
,TX
Jen did a great job responding to what I needed and acting quickly. Really stellar job.
Company:
Assurity Life Insurance Company
Product:
To Age 100 Term
Policy length:
30 years

Apr 06,2018
Lois Grissom Verified
Indianapolis,IN
It all went along smoothly during acceptance and policy completion. Filling out info on line I think help speed the process up and more efficient.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
Age 121

Mar 26,2018
Sonia Garza Verified
,ID
it was outstanding! Jennifer was easy to work with and flexible with my schedule!
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Mar 05,2018
Ronald Packard Verified
,CA
Easy peasy. Couldn’t be any easier.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Mar 02,2018
Ava Hagler Verified
Roanoke,VA
5 stars!! Would recommend to anyone needing life insurance.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:

Feb 28,2018
Karen Kabandama Verified
,CA
Thank you for your great products!
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 27,2018
Teenesha White Verified
,MI
Wonderful! It was easy to work through, and pretty straight forward.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 18,2018
Jamie Behrens Verified
Smithville,MO
Very good. I would recommend.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Jan 28,2018
Bradley Ridgley Verified
,IN
Great rates very professional so far good company.
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
To Age 121 Level (No Lapse U/L)

Jan 15,2018
Gilda Cardenas Verified
Los Angeles,CA
My expireance was great
Company:
Savings Bank Life Insurance Co of MA
Product:
Sage Universal Life - No Exam
Policy length:
30 years

Jan 14,2018
William Springer Verified
West Chicago,IL
Very easy to work with.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
10 years

Jan 05,2018
Todd Jenkins Verified
Conyers,GA
Great. Appreciate it all. Good stuff. Can not complain.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Dec 12,2017
Felicia Carter Verified
,CA
So far I am happy with selecting 5 Star Life Insurance Company. Everything is still all new for me hopefully no problems in the future.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Nov 14,2017
Casandra Kavanagh Verified
,NJ
excellent professional
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

Nov 08,2017
Robin Sills Verified
Scottsburg,IN
I have not had enough contact with Assurity to give an overall evaluation.
Company:
Assurity Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Oct 17,2017
Joseph Colburn Verified
Lehigh Acres,FL
looked out for my interest. gave me better rate.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
15 year

Oct 02,2017
Timothy Schofield Verified
,DE
great life insurance company very quick coverage for me
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
10 years

Sep 19,2017
George Gorham Verified
,VA
Overall Great Service
Company:
American National Insurance Company
Product:
Signature Guaranteed UL 121
Policy length:
Age 121

Aug 03,2017
Andrew Scaife Verified
,AL
The price seems good and the process is easy. Let's hope I never have a claim.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
25 years

Jul 25,2017
Alisha Gordon Verified
,VA
Cheap. Haven't really experienced anything else yet but can't beat the price.
Company:
5 Star Life Insurance
Product:
To Age 100 Term
Policy length:
10 years

May 25,2017
Lavaun Ingram Verified
,GA
So glad to find a company that gives you what you want at a good rate.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

May 23,2017
Benjamin Wood Verified
,OR
So far so good. Product seems to fit my needs.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

May 18,2017
Ronald Lively Verified
Brevard,NC
Great, straight forward sounding policy
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

May 01,2017
Giselle Holland Verified
,MA
Great company, very pleased.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

Apr 27,2017
John Davidson Verified
,AZ
Excellent service. Thank you.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

Apr 14,2017
Joe Kaczmarek Verified
,CA
This company is willing to go the extra mile.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 year

Feb 24,2017
Bobby Staggs Verified
Soper,OK
Great policy for the price
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 year

Feb 02,2017
Rammond Jones Verified
Ft. Worth,TX
very unique excellent customer service
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Dec 29,2016
Gerald Lucy Verified
,FL
Easy and fast transaction.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

Nov 14,2016
Clarence Cocroft Verified
Memphis,TN
The company provided all documents in a timely manner as promised. Very pleased with the overall services you all provide. Thanks
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Nov 07,2016
Markam Larrua Verified
,HI
Extremely satisfied with the professionalism of my agent Jen.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

Sep 26,2016
Desiree Malouin Verified
Manchester,NH
Very good insurance.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 year

Aug 18,2016
Derrick Walker Verified
Roanoke,VA
Super fantastic!! My wife and I will definitely recommend.
Company:
5 Star Life Insurance
Product:
To Age 100 Term
Policy length:

Aug 08,2016
Thomas LaPlant Verified
,OK
IT WAS GREAT VERY EASY NO HASSELS
Company:
5 Star Life Insurance
Product:
To Age 100 Term
Policy length:
Age to 100

Jun 13,2016
Patricia Nelson Verified
,DE
Fast and easy! Loved the online access and fast quotes.Will recommend to family and friends.
Company:
5 Star Life Insurance
Product:
To Age 100 Term
Policy length:

May 05,2016
April Stubblefield Verified
Morristown,TN
Good. Bob was a very nice guy.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 27,2016
John (Suzanne) Adamonis Verified
,FL
So far, so good. The policy is new, so I don't know if any issues will arise in the future.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

Feb 19,2016
Tracy Mitchell Verified
,AZ
The process was great, and the service thus far was great.
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
Age to 100

Sep 07,2015
Kristi Nash Verified
Plano,TX
The service was great!
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
30 years

Jan 17,2015
Elizabeth Iciano Verified
,FL
It was a very long process. Bad experience.
Company:
Protective Life
Product:
Custom Choice UL
Policy length:
30 year

Jun 12,2014
Christopher Tracy Verified
Tacoma,WA
It was easy, simple, and convenient.
Company:
Protective Life Insurance Company
Product:
Custom Choice UL
Policy length:
15 years

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