CLA USA Products

Life Insurance

Guaranteed Universal Life

Guaranteed Universal Life offers many advantages to your clients:

  • Lower-cost life insurance (compared to whole life insurance)
  • No-Lapse Protection
  • A tax-advantaged savings element that provides a cash value with a guaranteed minimum interest rate
  • Flexibility to adjust your premium payment and death benefit as your needs change
  • Favorable loan features

Clients find several applications for their needs in this type of policy, including cash values which can be used for children’s educations, supplemental retirement income for incidental expenses, and more. Universal Life insurance is flexible enough to change as your needs change.

Guaranteed Universal Life is also an option in estate planning where a guaranteed, level death benefit and premiums that are guaranteed play a more significant role than the need for higher cash values.