You won’t be able to get enough of our sweet new rates.


We’re lowering Life Protection Advantage’s guaranteed premiums!

When we launched Life Protection Advantage IUL our goal was to provide guaranteed to age 85 – along with competitive premiums that carried to age 120 when projecting premiums at a conservative rate.

Your message to us: The guaranteed premiums needed to be lower. We listened. And now things just got sweeter!

  • We will lower the premiums to guarantee coverage to age 85 for most scenarios – in some cases, by as much as 25 percent!
  • And, we will maintain our extremely competitive positioning when solving for premiums to carry to age 120.


Here’s what you need to know:

  • The lower rates go into effect April 1, 2018 in all states.
  • The policy will qualify for the Guaranteed Refund Option rider whenever the long-term no-lapse protection premium (guarantee-to-85 premium) is paid.
  • Transition rules: Applications signed by April 1, 2018 and later will get the new rates. If the broker/agent wishes to have the new rates and the pending in-house application is signed prior to April 1, 2018, they will need to contact Underwriting.


Summary of the Guarantee to 85 Premium Decreases (by Percentage)

 Males  Females
 35, PNT  -15%  -15%
 35, SNT  0  -5%
 45, PNT  -15%  -15%
 45, SNT  -5%  -15%
 55, PNT  -20%  -20%
 55, SNT  -5%  -15%
 65, PNT  -20%  -25%
 65, SNT  -5%  -20%
 75, PNT -20%  -20%
 75, SNT  -20%  -20%


Plus, we continue to offer an assortment of value-added features, such as the Guaranteed Refund Option rider and Accelerated Death Benefit Riders for Terminal and Chronic Illness.

Dig in to Life Protection Advantage’s new rates. They’re the treat that’s good for you – and for your clients.

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080.

GBS Insurance and Financial Services, Inc. is not affiliated with The Leaders Group, Inc. You may check the background of investment professionals on FINRA Broker Check

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