GUL Express Illustrations

Last February we announced we no longer require illustrations on most Guaranteed Universal Life Express policies. This allows you to simply use our mobile quoting app to quote GUL Express and submit the application.

As a reminder, below is when an illustration is required.

No Illustration Required

  • Policies with no-cost riders using monthly or annual payments.

Illustration Required

  • Policies with cost riders and making payments using anything other than monthly or annual payments.
  • Policies with any payment structure other than guaranteed term periods offered on the mobile quoting tool (age 80, 85, 90, 100, 120), such as short pay and dump in’s.

In addition, the paper application for GUL Express also now includes a field to complete the Guaranteed Age (see screenshot below). This helps determine if an illustration is required or not.

GULE Application - new GULE field

If you have any questions regarding the upcoming changes, please contact your Life Sales Director or Account Executive.

GUL Express Illustrations