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Permanent life insurance known as guaranteed universal life insurance (GUL) provides low-cost, lifetime coverage at fixed premiums and a guaranteed death benefit.
Although cash value may be included in these policies, the amount is typically minimal.
The primary goal of these policies is to provide heirs with a cheaper death benefit.
While this helps cut costs, it also means that if you don’t pay your premiums on time, you could lose coverage sooner than with cash-value policies.
