Guranteed Universal Life Landscape Q3 2020

With continued low interest rates and muted client engagement in 2020, the Guaranteed Universal Life (GUL) space has become smaller and more competitive due to either premium rates or process enhancements, and sometimes both.

We have take a cross-section of the GUL landscape to see who the top companies are in the space as it relates to premium.  Below is a quick top 3 list for GUL and attached is the full listing.  This specifically only references Guaranteed to 121 products without riders.

Male Age 50, $500k Face Amount, Colorado

  1. American National
  2. Sagicor
  3. Protective Life
  4. Nationwide
  5. PacLife Promise
[table id=12 /]


Male Age 60, $500k Face Amount, Colorado

  1. American National
  2. Protective Life
  3. Nationwide
  4. Sagicor
  5. PacLife Promise
[table id=11 /]


[fivo_docs title=”Spreadsheets” ids=”3631,3632″]

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