Universal Life Guard
UL Guard is a flexible premium universal life policy designed for clients who want permanent life insurance with the ability to guarantee their coverage based on the payment of specified premiums over a certain payment period.
Issue Ages: 18-85
Minimum Face Amount: $50,000
Riders Available: Accelerated Death Benefit for Terminal Illness, Surrender Value Enhancement Rider, Waiver of Specified Premium, Accelerated Death Benefit for Chronic Illness Rider, LTC Access Rider
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Advisor Use Only | Product Microsite | 06/25/2026 | Click Here |
| Advisor Use Only | Forms | 06/09/2026 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 10/08/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | LTCAccess Rider II Consumer Guide | 07/23/2026 | LI3044 | Click Here |
| Consumer Use | Consumer Guide | 06/25/2026 | LI3001 | Click Here |
| Advisor Use Only | MassExpress FAQ Advisor Flyer | 09/04/2026 | U1045 | Click Here |
| Advisor Use Only | Guidelines for Foreign Travel | 09/04/2026 | LI7553 | Click Here |
| Advisor Use Only | Guidelines for Foreign Citizens Living in the U.S. | 09/04/2026 | LI7552 | Click Here |
| Advisor Use Only | Advisor Guide | 06/25/2026 | LI3002 | Click Here |
| Advisor Use Only | Underwriting Sweet Spots | 09/04/2026 | LI6005 | Click Here |
| Advisor Use Only | Platinum Pass Program Guide | 09/04/2026 | LI7210 | Click Here |
| Advisor Use Only | Advisor FAQs | 06/25/2026 | LI3003 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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