About Ty Stewart

All Posts By Ty Stewart

Ty Stewart is a founder and contributor of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent he has helped clients nationwide to secure affordable coverage while making the process simple.

Review of the Nationwide Guaranteed Universal Life Insurance Product

See our comparison of the best guaranteed universal life insurance companies for 2019. Quick Summary: Nationwide offers some of the lowest pricing around for many ages but it's not always easy to qualify for and may end up being more expensive in a different health class. Extremely strong company and a good choice for those that…

Lincoln Financial – Guaranteed Universal Life Insurance Review

Check out our 2020 rankings for the best GUL policies available. We've ranked 16 different carriers. Quick Summary: Lincoln can be a great option if you have certain health issues. Their underwriting is lenient which can save a lot of money. Overall, their pricing is middle of the pack and you can find cheaper. Very…

7 Best Reasons To Buy No Exam Life Insurance When Pregnant

A mother’s love for her child is like nothing else in the world. A life insurance purchase is usually made to financially safeguard those you care about most – making pregnancy a primary reason to secure life insurance. During the hustle and bustle of preparing for the arrival of your little one, you can add,…

John Hancock Guaranteed Universal Life Insurance Policy Review

See where John Hancock ranks in for 2019 in our guide: Best Guaranteed Universal Life Insurance (GUL) Companies Quick Summary: John Hancock offers a solid yet unspectacular guaranteed universal life product when compared to other carriers we work with. Premium pricing is middle of the road but underwriting can be strict on certain things, bumping…

Principal Financial – Guaranteed Universal Life Insurance Review

For 2019, we've ranked all the top companies that offer guaranteed universal life insurance. See where we have Principal. Quick Summary: Principal Financial is a strong player in the life insurance market and their GUL product is no exception. Rates are low for certain ages but you can find less expensive elsewhere depending on your…

The PruLife UL Protector Review – Prudential Guaranteed Universal Life Insurance

See how Prudential stacks up in our breakdown of all the top companies who offer guaranteed universal life policies. Quick Summary: The Prudential UL Protector product is among our favorite guaranteed universal policies. Pruco underwriting is excellent for a wide range of health conditions and tough to place cases. Pricing may be a little high…

Sagicor No Lapse Universal Life Insurance Review

Sagicor ranks in the top half of our 2020 guide to guaranteed universal life insurance companies. Quick Summary: If you are under the age of 66 and don't want to take a medical exam, Sagicor may be a good option for a "no lapse" universal life policy. Rates are very cheap in the lower amounts…

Banner Guaranteed Universal Life Insurance Review – Life Step

We constantly update our guide to the best guaranteed universal life companies HERE. Banner scores towards the middle. Quick Summary: Banner's GUL life insurance policy leaves a a bit to be desired. The pricing is high and the options are limited. Banner underwriting is favorable for some specific health issues so may be worth considering…

Review: Mutual of Omaha – Guaranteed Universal Life Insurance

MOO just misses the top 5 in our updated 2020 guide: Best Guaranteed Universal Life Insurance (GUL) Companies. Quick Summary: Our experience tells us that Mutual of Omaha's guaranteed universal product is a strong option for many clients. You can find cheaper pricing but the value is excellent including an option (your choice) to refund…

Review of the Protective Advantage Choice Universal Life Insurance Policy

Protective grades out very highly vs the other guaranteed universal companies in our 2022 guide. Quick Summary: In our opinion, Protective offers an excellent universal life option. You are getting coverage from a super strong company that has been around a long time. The policy includes great options and flexibility at no additional cost. If…

AIG (American General) Guaranteed Universal Life Insurance Review

AIG is currently ranking as one of the top gul carriers on our list of best guaranteed universal life insurance companies. See the full guide here. Quick Summary: AIG has one of the top guaranteed universal life insurance policies on the market right now (2023). American General is a trusted name, on a strong financial…

Pros and Cons of Guaranteed Universal Life Insurance

A GUL policy secures permanent coverage but without the high cost and complexity that comes with regular universal life insurance. They are a nice middle ground between universal and term life insurance...