Executive Life
Our Process
Executive Life
Income Coverage
Stabilization/reduction of group rates
Separating the executives from the group term life plan will often remove older plan participants with larger benefit amounts from the plan. This can insulate the remaining population from the larger claims associated with the executives. The executives receive non-experience rates and higher limits of portable guarantee issue group universal life coverage (GUL).
Removal of age reductions
Group Universal Life plans allow for coverage limits to remain constant as the executive ages which is important as people work longer.
Accessible portability
Greater limits of guarantee issue coverage
The group term market typically limits guaranteed issue coverage to one million dollars while GUL limits can routinely exceed 3 million.
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