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What can Guarantee® UL do for you?

Protect

Let’s you protect what's most important with a death benefit that can be guaranteed

Premiums

Offers guaranteed premiums

 

Lifetime

Can provide you affordable, guaranteed lifetime insurance coverage


More information about Guarantee coverage type.

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Coverage Protection Guarantee

Guaranteed life insurance protection is provided through the Coverage Protection Guarantee (CPG). The CPG provides an alternate Coverage Protection Value (CPV) that, if positive, will ensure coverage will continue even if the cash surrender value is insufficient to cover charges. This rider is included automatically and can remain in force until the insured's age 121.

The length of time the CPG can keep the policy in force may vary based on the following factors:

  • Satisfying the monthly Funding Level Test
  • Changes in premium frequency, timing or amount
  • Policy changes such as loans, partial surrenders, increases or decreases in Specified Amount and the addition or removal of riders

Funding Level Test (FLT): Beginning in policy month 13, there is a FLT until the earlier of the insured's age 121 or termination of the FLT as described in the rider. Failure to satisfy the FLT for three consecutive monthly anniversary days will result in the assessment of a Funding Level Charge, which will negatively impact the length of time the CPG remains in effect.


Choice and Flexibility

Guarantee® UL , you can choose how to finance your policy by adjusting:

The amount of the guaranteed death benefit protection

The amount of the guaranteed death benefit protection

The length of the guarantee period

 

 

Guarantee® UL provides a level death benefit option. Loans or withdrawals offset death benefits.

Get online today to see what you might be eligible on Guarantee insurance.

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Additional Options

Accelerated Benefits Rider

The Accelerated Benefits Rider pays out a portion of the death benefit if you were to fall terminally ill or require permanent nursing home care. It may be elected after policy issue. There is a one-time charge for this rider when it is exercised.

Accelerated Benefits Rider with Critical Illness

The Accelerated Benefits Rider with Critical Illness pays out a portion of the death benefit if you were to fall terminally ill, require permanent nursing home care, or need help during a critical illness or condition. There is a one-time charge for this rider when it is exercised.  Accelerated death benefits may be taxable and may affect public assistance eligibility. This rider is not available in Connecticut, Maryland and Pennsylvania.

Accidental Death Benefit Rider

The Accidental Death Benefit Rider, available at an additional cost, can help offset the financial burden by offering an additional amount in the event of a death due to an accident

Children's Term Rider

With the Children's Term Rider, available at an additional cost, you have the choice of insuring your child under your own policy.

Disability Waiver of Monthly Deductions Benefit Rider

The Disability Waiver of Specified Premium Rider, available at an additional cost, covers you for a monthly specified premium if you become totally disabled.

Guaranteed Insurability Rider

The Guaranteed Insurability Rider, available at an additional cost, gives you the ability to increase your death benefit coverage in the future without additional underwriting.

LifeEnhance® Accelerated Benefits Rider

This rider pays a benefit if you were to become permanently chronically ill or are diagnosed as terminally ill (life expectancy of 12 months or less). Benefits for chronic illness may be paid monthly or as a one-time lump sum. (Up to 100% of Death Benefit through payments). Terminal illness benefit is a lump sum (up to 50% of Death Benefit).

The Minimum Death Benefit Endorsement

The Minimum Death Benefit Endorsement gives you the security of knowing that the beneficiaries will never receive less than the death benefit minus total policy debt (policy loan plus accrued interest) plus $5,000.

Spouse Term Rider

With the Spouse Term Rider, available at an additional cost, you have the choice of insuring your spouse under your own policy.

Contact an FA agent in your for more infomation about Guarantee insurance.

Getting An Guarantee Insurance Quote

Quoting online with FA is quick & easy answer a few simple question, give us some information about your history & we will give you an accurate quote to consider.

The Insurance Quote Process

  • 1.

    Fill information about you.

     

  • 2.

    Fill information about your Family.

     

  • 3.

    How much insurance?

    We'll help you determine the amount of life insurance coverage you may need by calculating your expenses, debts and future financial needs..

  • 4.

    What will it cost?

    We'll provide an estimate for a Guarantee Life insurance policy based on the amount of coverage you want, the length of time you want your policy to last, and your health and lifestyle.

  • Get a Quote

 

Advantage of FA Insurance Agent

Call FA insurance professional today. By having a better understanding of term life insurance, you can decide if it would be a valuable addition to your financial plans.

Maximized Savings

Quality Coverage

Claim Assistance

Personal Support

Explaining your coverage

Finding discounts

Contact the right FA insurance agent to assist you with all your insurance needs.

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Why FA insurance agent ?

At first glance, we probably look like every big company out there. True, we’re one of the a strong financial services companies..

  • But spend some time with us and you’ll quickly see a difference — family is at the heart of all we do.
  • For more than 20 years, we’ve dedicated ourselves to helping families prepare for the future while helping them protect the things they care about today.
  • Welcome to the Financial Advisors® family. You’re going to feel right at home..
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