See the top reasons why our new Protection UL offers better value than guarantee UL
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See the top reasons why our new Protection UL offers better value than guaranteed UL (GUL) for many clients:
Lower premiums — results in a higher internal rate of return (IRR) on the death benefit than GUL can offer
Extended guarantees — in many scenarios, Protection UL’s guarantees last to life expectancy or beyond
Funding flexibility — unlike GUL, Protection UL’s premium pattern can be altered to meet changing needs
Higher cash value potential — Protection UL’s cash values typically increase in later years to provide coverage beyond the NLG period
Stability — our unique investment portfolio has helped us deliver higher long-term rates of return within our General Account — and maintain a strong crediting rate history