Guaranteed Universal Life Insurance
For Individuals and Families in Dallas, Ft. Worth, Plano, and Texas
Long-Term Security, Simplified and Predictable
Guaranteed Universal Life Insurance (GUL) combines the lifelong protection of permanent insurance with the simplicity and predictability of term. At Affluence Insurance Services, we recommend GUL for clients who want stable, no-surprise coverage—with fewer moving parts than traditional universal life.
What's Covered
GUL policies typically include:
Guaranteed Death Benefit
Permanent coverage that never expires as long as scheduled premiums are paid.
Fixed Premiums
Locked-in rates that don’t increase with age or health changes.
Limited Cash Value
Most policies prioritize guaranteed protection over investment growth.
Customizable Coverage Duration
Choose coverage to age 90, 95, 100, or beyond.
Insure with Affluence
Budget-Friendly Lifetime Coverage
More affordable than whole life, without the investment risks of traditional UL.
Straightforward Planning
Fixed payments and guaranteed benefits make long-term planning simple.
Ideal for Estate Planning
Helps cover estate taxes, final expenses, or provide an inheritance.
No Market Fluctuation Risk
Your coverage is not tied to market performance or interest rates.
Frequently Asked Questions
How is this different from regular universal life?
GUL focuses on guaranteed death benefit, not flexible premiums or cash value accumulation.
Can the policy lapse if I miss a payment?
Yes—GUL requires timely premium payments. We’ll help set a plan that fits your budget and ensures lasting coverage.
Is GUL a good alternative to whole life?
Absolutely, especially for those who want permanent protection with lower premiums and fewer variables.
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Lifetime Protection Without the Complexity
With Affluence Insurance Services, you can secure guaranteed universal life coverage that’s clear, stable, and built to last.