Advisors Blog

Last Chance to Lock in These Low GUL Rates

Published on May 14, 2020


As life insurers attempt to cope with record low interest rates and more stringent reserving requirements, many have been forced to raise their premiums. We have seen several carriers increase their premiums on guaranteed universal life (GUL) as much as 15-20% in the last few months, with more increase notices coming each week.


We have a limited window of opportunity to lock in today’s low GUL rates with one carrier that has a uniquely flexible product - American National (ANICO). This pricing will only be available through June 2020, and then a more expensive version will be released.



American National Signature GUL

ANICO’s Signature Guaranteed UL has significantly lower GUL rates than most of the marketplace, and offers these other features:


  • Three different living benefits: Chronic Illness, Critical Illness and Terminal Illness riders all included at no extra charge. These riders are also included on their Term policies in most states (Chronic not available on term in California.)  
  • Cash-Out rider provides return of premium (ROP) on full surrender at the 15th, 20th and 25th year. (Partial or full refund – see illustration for details.) 
  • Accelerated underwriting via their Express Plus e-App program is available to age 60, form $250,000 to $1,000,000, and must be applied for online at IMG.ANICOWEB.COM – producers must be pre-appointed to receive a password and web account.
  • For Rate Comparison and more information on the ANICO Signature Guaranteed UL click here.

ANICO was founded in 1905 in Galveston, Texas and holds an A rating with both AM Best and S & P.





We at GBS Insurance thank you again for your business. For more information or insurance quote requests, please contact your brokerage manager or give us a call at (800) 473-5966

For agent use only - not for use with the general public.

Corporate CA License No. 0D87913


21820 Burbank Blvd., Suite 301

Woodland Hills, CA 91367

Phone: (800) 473-5966

GBS Insurance and Financial Services, Inc. do not provide investment, tax, or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

© 2020 Arthur J. Gallagher & Co. 




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