After reviewing yesterday 13 major life insurance carriers for a couple in excellent health in their early 50’s for Survivorship Guaranteed Universal Life, multimillion limited pay some companies were clear leaders for lowest premiums:
American General Life Insurance Company: “AG Secure Survivor GUL”
Pruco Life Ins. Co. (Prudential): “PruLife SUL Protector”
Nationwide Life and Annuity Insurance Co: “YourLife No-Lapse Guarantee SUL II”
American General also has guaranteed cash value accumulation, and a versatile option to reduce the face amount and access that cash value while maintaining the lifetime guarantee.
The most competitive premiums are subject to age, face amount and health status. When shopping for life insurance for estate planning a thorough search is advisable to verify which are the most competitive. However certain carriers will tend time and again to have lowest premiums.
Sean Drummey
Contact:
Phone: (910) 328-0447
Text: (910) 803-1427
email: spdrummey@gmail.com