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Survivorship UL-G
Universal life insurance product for two lives
A smart combination of security and affordability ideal for your clients' wealth transfer needs.
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Overview
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Competitive Advantages
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With a policy protection rider standard, an enhanced policy protection rider option and competitive premiums, Survivorship UL-G offers more choice and increased affordability to meet a variety of policyholder needs.
- Security -- Give your clients the satisfaction they want through guaranteed coverage for life
- Affordability -- Realize more value for your client's dollar with competitive premiums and funding options that make sense, including advantages for funding more up front
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Help your clients meet their needs with these Survivorship UL-G competitive advantages:
- Competitive premiums
- Guaranteed coverage for life included
- Age 100 Advantage
- Enhanced Return of Premium Death Benefit Rider
- Policy Split Option
- Quit-Smoking Incentive1
- Cash Value Enhancement Rider
- Other various riders
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Here are some examples of the uses of Survivorship UL-G: |
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Survivorship UL-G
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- Wealth transfer funds for your clients' children at an affordable cost
- Funding a generation-skipping trust to create a family legacy
- Providing funding for the transfer of a closely-held business
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Survivorship UL-G provides your clients with affordable benefits and guarantees and the flexibility of adjusting their policies as circumstances change. |
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View and download:
Survivorship UL-G Client Guide
Survivorship UL-G is approved in all states.
Manulife's enhanced Return of Premium (ROP) Death Benefit Rider is approved in all states (not available in Maryland or New York).
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Additional Resources
To learn more about Survivorship UL-G features and riders, or to obtain sales sheets and other sales tools, please click here.
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Survivorship UL-G is issued by The Manufacturers Life Insurance Company (U.S.A.) (Manulife USA), a member of the Manulife Financial group of companies, wholly owned subsidiaries of Manulife Financial Corporation. All product features may not be available or may vary by state.
1 For the first three policy years, all smokers (unless they are rated) are treated as standard non-smokers. For these three years, a policyowner who is issued a policy classified as a smoker can pay a planned premium that reflects non-smoker charges. If the insured provides satisfactory evidence of having quit smoking for a period of 12 months within the first three years, we will re-classify the policy to reflect a non-smoking status and premanently assess standard non-smoker charges. Otherwise, future planned premiums will need to reflect smoker charges. Please note: A smoker proposal must be sumbitted at issue.
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Guaranteed products are dependent on the claims-paying ability of the issuer. |
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 Download the free Adobe Acrobat Reader to view and print PDF files. |
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