Small GUL for over age 45

My first thought, without consideration to UW, would be Midland/North American. They go down to $50k and are very competitive on price.
 
Anico will go down to 25,000. The only thing I don't like is they have 100% charge back
for the first 6 months. I do write it just don't like that. I think if the company receives money the agent should to. Just old school.
 
I thought this was a good thread but maybe in a forum that may be missed by some that could use the info.


https://insurance-forums.com/community/threads/gul-insurance-for-seniors.91813/
Try American National Insurance, scroll down to see the details.
MINIMUM FACE AMOUNT

$25,000

PREMIUM BANDS

BAND 1:

$25,000 - $ 99,999

BAND 2:

$100,000 - $ 250,000

BAND 3:

$250,001 - $ 499,999

BAND 4:

$500,000 - $ 999,999

BAND 5:

$1,000,000 and over

ISSUE AGES

18-80 non-nicotine
18-75 nicotine

GUARANTEED MINIMUM INTEREST RATE

2.5%

LIFE INSURANCE TEST

Cash Value Accumulation Test (CVAT)
n National Insurance Company

Here is a snap shop for GUL Policies:
 
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