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People Who Have Guaranteed Their Tomorrow

See how these individuals utilize the flexibility of GUL to design a plan to meet their needs.

Today: "After 25 years of hard work, my business practically runs itself now. Today my wife and I are looking at a condo off the 10th hole. I'm selling my lawn mower, at last."

Tomorrow: "I have a policy now with another company. But with the interest rates changing, it's not performing as expected. I'm not sure it will be there when I need it. I want something more predictable."

Solution: Bill can transfer the cash value from his old plan into a GUL policy using a tax-free, 1035 exchange. His protection is now guaranteed, regardless of the interest rate fluctuations. The accelerated death benefit rider pays living benefits so he has access to his money if he is faced with a terminal or chronic illness.*
Bill, Age 60

Today: "I took time off work to attend our daughter's first dance recital. She won't be this age forever so today is pretty important to me."

Tomorrow: "I'm making plans to retire early. Our daughter will be out of college then and we'll be ready to downsize. But until then I'm worried about her tomorrow if I'm not there."

Solution: Jan chooses to guarantee her GUL coverage to age 65 knowing her daughter will be out of college by then and her needs will change. This reduces her monthly payment.
Jane, Age 40

Today: "I just turned the big 3-0. My career is finally taking off. So is my income. Tonight, I'm popping the big question. They say the best is yet to come but today looks pretty good to me."

Tomorrow: We've talked about a family some day. Not sure when all this will happen but I'd like to lock-in a plan now, while I'm still healthy. Then we can make changes as tomorrow unfolds."

Solution: Mike can elect to make larger payments now to his GUL Express plan while he is earning more and has no children. That can eliminate future payments and result in a paid-up plan. This will be useful later when his expenses are higher. The guaranteed insurability rider allows him to increase his protection as his needs grow, regardless of his health.**
Mike, Age 30

*In FL, chronic illness does not apply to the accelerated death benefit rider.

**In NY, guaranteed insurability rider is not available.

These are hypothetical examples for illustrative purposes only. They do not represent actual people.

Coverage may not be available in all states and may vary by state. Exclusions, limitations and reductions may apply.

Life insurance and annuities are underwritten by United of Omaha Life Insurance Company. United of Omaha is not licensed in New York. In New York, Companion Life Insurance Company, Lynbrook, NY underwrites life insurance and annuities.

GUL Complete: Sex Distinct Policy Form A987LNA06P, or state equivalent. In NY, 863Y-0207. In OK, B300LOK06P. In OR, B304LOR06P. In PA, B308LPA06P. In TX, B324LTX06P. Unisex Policy Form A988LNA06P, or state equivalent. In NY, 864Y-0207. In OK, B301LOK06P. In OR, B305LOR06P. In PA, B309LPA06P. In TX, B325LTX06P.

GUL Express: Sex Distinct Policy Form A998LNA06P, or state equivalent. In NY, 867Y-0207. In OK, B302LOK06P. In OR, B306LOR06P. In PA, B310LPA06P. In TX, B326LTX06P. Unisex Policy Form A999LNA06P, or state equivalent. In NY, 868Y-0207. In OK, B303LOK06P. In OR, B307LOR06P. In PA, B311LPA06P. In TX, B327LTX06P.

Accelerated Death Benefit Rider Form A989LNA06R, or state equivalent. In NY, 865Y-0207. In PA, B358LPA06R. In TX, B360LTX06R. Guaranteed Insurability Rider Form A990LNA06R, or state equivalent.

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