Advisors Blog

Principal Universal Life Protector IV Price Increase

Published on August 01, 2017

Starting August 28, 2017, Principal will be repricing its popular GUL products, which will be going up in price in many cells, especially above age 65 and short-pays. Other cells remain unchanged or will experience slight decrease in price. Contact your GBS Brokerage manager for more information.

Below is the full text of the recent Principal memo with transition rules and deadlines. Click here for a pdf version

We regularly review our products to ensure each continues to fit the needs of the market, offers value for you and your clients and aligns with our product strategy. Occasionally, we must adjust pricing to maintain a product's long-term sustainability.

Effective August 28, 2017, we will be updating Principal Universal Life Protector IV (UL Protector IV) pricing for new-issue policies. The price increases are modest at most ages, and funding levels and will help ensure the product remains strong for all policyholders during this prolonged period of low interest rates. 

Important Dates 


New rates will be available on August 28, 2017 from Principal Illustration Edge, Winflex and third-party quoting platforms. 


Backdating is allowed to save age. Normal backdating rules apply. 

State approvals

New rates are effective in all states and the District of Columbia. 




7 Valuable Tips and Sales Ideas

Introducing a new series of quick sales ideas to spark interest in your clients and centers of influence. Position yourself as a valued advisor and insurance professional by using these tips as conversation starters.


Have You Considered VUL?

If you haven’t considered VUL lately, many of today’s newest products include benefits and features that clients are looking for. With the increased pricing for GUL products coupled with many carriers totally withdrawing from that marketplace, VUL and SVUL have become an even more attractive alternative for you and your clients to consider.


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