Essential Guaranteed Universal Life Insurance

Midland National's Custom Guaranteed Universal Life Insurance can provide low-cost guaranteed death benefit protection as well as protection from expenses arising from an unexpected chronic or critical illness.¹ With the extended no-lapse guarantee feature, your client can choose the age to guarantee — even to age 120! And should their needs change, Custom Guarantee's guaranteed exchange privelage is there to provide the flexibility they need.

Use these resources to familiarize yourself with essential guaranteed universal life insurance and its value-add features.

Agent Materials

Download these materials to share in a meeting, send in a follow-up email or visit Supply Warehouse to order copies to keep on hand!

Consumer Materials

Explore common sales concepts of Essential Guaranteed Universal Life Insurance

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Highlights

Guarantee death benefit for the duration the client specifies, even up to 120
Premium Recovery Endorsement
Accelerated death benefits for critical, chronic, and terminal illness¹
Low face amounts starting at $50,000

Key Focuses

Guaranteed death benefit protection
Low cost

Permanent life insurance blog posts

Use these client-friendly blog posts in your social media content or as an additional resource to help clients understand the value of life insurance.

A young fathers gives his daughter a piggyback ride.

What to know about permanent life insurance

There are many types of permanent life insurance, each with unique features that can be challenging to understand. In addition, there are several important questions you need to ask your agent to help you choose the best option. We’re sharing our insights about permanent life insurance to help you make the best decision for you and your loved ones.

What type of life insurance is right for you?

Buying life insurance to protect your family’s future requires you to make some important choices, including the type of life insurance you need. If you’re a first-time life insurance shopper, chances are you may not know which option may be the right one for you. Below is a breakdown of various life insurance options to help you find the best match.

1. Accelerated Death Benefits are subject to eligibility requirements.

Guaranteed death benefits are subject to premium payment requirements.

Custom Guarantee UL (policy form series LS185), or state variation including all applicable endorsements and riders, are issued by Midland National^® Life Insurance, West Des Moines, IA. Products, features, riders, endorsement or issue ages may not be available in all jurisdictions. Restrictions or limitations may apply.

The Premium Recovery Endorsement will remain in effect to the 25-year policy anniversary as long as the qualification test is satisfied at each policy anniversary. Generally, the qualification test is met if the gross premiums paid guarantee the policy to at least the insured's attained age of 95, assuming no policy loans are taken. In some instances, additional premium may be required based on underwriting class, table ratings, or flat extras. If the Premium Recovery Endorsement terminates, it cannot be reinstated.

While the primary use of life insurance is death benefit protection, your clients may also have other needs that can be met through life insurance. The sales concepts and accompanying marketing materials on this page may help you broaden your sales potential. As independent contractors, it is up to you to choose which of these concepts may work for your particular sales strategy and clients, and which do not. Please note that Midland National does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations.

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FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

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