Flexible Coverage That Adapts to Your Life

A universal life insurance policy gives you the flexibility to choose a level of protection that fits your changing needs. With adjustable death benefits and flexible premiums, you can adapt your coverage as life evolves—all while building tax-deferred cash value.

Whether you’re planning for the long term or looking for ways to protect your family while preserving financial flexibility, universal life insurance is a versatile and valuable solution.

Guaranteed Universal Life Insurance

Reliable Protection. Predictable Premiums.

If you’re looking for permanent life insurance without the high cost of whole life—and without the unpredictability of older universal life plans—Guaranteed Universal Life (GUL) may be the perfect fit.

Unlike traditional universal life insurance, GUL offers:

Guaranteed death benefits to age 100 or 120
Predictable, level premiums—even if cash value falls to $0
Peace of mind with a no-lapse guarantee if premiums are paid on time

These policies are often referred to as “secondary guarantee” or “no-lapse” policies and offer an ideal solution for those who want affordable, permanent coverage without focusing on cash value accumulation.

Why Choose Guaranteed Universal Life?

In the 1980s and 1990s, many universal life policies failed when cash values dropped below the cost of insurance. Today’s GUL plans solve that issue with guaranteed coverage, lower premiums, and strong contract protections—making them ideal for those who want a term-like premium with a whole-life benefit.

Ask yourself:

Why pay higher premiums to build cash value, when all you want is a guaranteed death benefit?

If your goal is long-term protection rather than savings, GUL delivers exceptional value.

Key Features of Universal Life Insurance

Flexible premiums and death benefit options
Competitive rates for long-term protection
Guaranteed death benefits up to age 120
Tax-deferred cash value accumulation
Optional riders to customize your policy

Strong Returns and Tax Advantages

Carrier illustrations show that guaranteed UL policies may deliver solid internal rates of return on premiums paid:

6%+ at age 90
4–5% at age 95
3–4% at age 100

Plus, life insurance proceeds are passed to beneficiaries income tax-free, making it a key strategy in estate and financial planning.

Why Choose Reynold Jones Insurance Group?

For over 20 years, Reynold Jones Insurance Group has helped families and businesses in Bedford, Hurst, and Euless, Texas secure smart, affordable life insurance policies. With over 65 years of combined experience, our team knows how to match you with the right policy—and we’re committed to making the process simple and stress-free.

Have questions or ready to get started?
Call us at (817) 545-3900 or contact us here

We get quotes done right and policies done even better.