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We’re not an insurance company. Do-It, be insured asks a few simple questions and passes your request to one licensed agent, who will call you with real prices.

When your term policy is ending

Your term policy is ending. Your family still needs you covered.

Guaranteed universal life can keep you covered for life with a payment that stays the same, as long as you pay on time. Answer a few short questions and one licensed agent explains your options.

  • Free, no obligationYou never enter payment details.
  • One licensed agentYour answers go to one agent, not a call list.
  • Licensed in your stateThe agent who calls is licensed where you live.
Dewey, our clay dog, waving hello

We’re not an insurance company. Do-It, be insured asks a few simple questions and passes your request to one licensed agent, who will call you with real prices. Privacy Policy

Coverage for lifePlans keep you covered to an age like 95, 100 or 121, as long as payments are made on time.
A payment that stays the sameThe monthly price is set at the start and does not go up if you pay on schedule.
Often less than whole lifeGuaranteed universal life builds little cash value, so it usually costs less per month.
Dewey, our clay dog, carrying a green folder

How it works

Three steps, and you stay in control

A real person calls you. That is how you get a real price.

  1. 1

    Answer a few questions

    Tell us about your coverage today, how long it should last and what matters most. No payment details.

  2. 2

    Talk to one licensed agent

    One agent licensed in your state calls you. They compare lifelong options and explain what each costs per month.

  3. 3

    Decide in your own time

    Keep your current policy until any new one is approved. You choose if and when to apply.

Answer a few questions

Guaranteed universal life

What guaranteed universal life does

Coverage that doesn’t expire

Unlike term, the coverage doesn’t stop after 10, 20 or 30 years.

A locked payment

The guarantee holds as long as you pay the planned amount on time. Late or smaller payments can weaken it.

Something to leave behind

The payout goes to the people you name, whenever that time comes.

Compare

Guaranteed universal life vs. whole life

Both last for life. They are built for different goals.

Whole lifeGuaranteed universal life
How long it lastsYour whole lifeTo an age like 95, 100 or 121
Monthly priceHigherUsually lower
Cash valueBuilds over timeLittle or none
What to watchLittle to managePay on time to keep the guarantee

Is it right for me?

Is guaranteed universal life right for you?

It fits people who want lifelong coverage at a payment that stays the same, and don’t need cash value.

A good fit

  • Your term policy is ending or got too expensive
  • You want coverage for the rest of your life
  • You want a payment that doesn’t go up

Probably not for you

  • You want to build cash value
  • You only need coverage for a few more years
  • You want a small policy just for funeral costs
Dewey, our clay dog, sitting at a kitchen table with a notepad

Who we are

We help you sort it out. A licensed agent does the rest.

We are not an insurance company. Do-It, be insured is a small team that explains the different kinds of life insurance in plain words and connects you with a licensed agent in your state.

When you finish the quiz, we pass your answers to one licensed agent. We don’t sell your request to a list of callers. The agent explains your options and the real price. You decide.

You won’t find star ratings or customer reviews on this page. We are new, and we only show what is real.

Dewey, our clay dog, is our mascot. He is not an agent and not a customer.

Answer a few questions

FAQ

Questions people ask before they start

Will the payment go up later?

Not if you pay the planned amount on time. Some older universal life policies from the 80s and 90s did get more expensive. Guaranteed universal life is built to avoid that, and the agent shows you exactly what the guarantee covers.

What is the catch?

The guarantee depends on paying in full and on time. Late payments, smaller payments or loans can end it early. There is also little cash value, so it is protection, not savings.

Should I cancel my old policy first?

No. Keep your current coverage until a new policy is approved and in force. Replacing a policy has its own rules, and the agent walks you through them.

What if I only want to cover funeral costs?

Then a smaller final expense plan is usually the better fit. See our final expense page.

Who will contact me?

One licensed insurance agent who is licensed in your state. They call you on the phone number you enter. We do not sell your request to a list of callers. If you no longer want to be contacted, tell the agent and they will stop.

Are you an insurance company?

No. Do-It, be insured does not sell insurance and does not give financial advice. We help you sort out which kind of coverage fits and connect you with a licensed agent. The agent works with insurance companies and explains the plans and prices.

Dewey, our clay dog, pointing to the next step

Guaranteed universal life

Stay covered after your term ends.

A few short questions. Free, no obligation, no payment details.

Questions
8 short ones
Who calls you
One licensed agent
The price
A monthly payment the agent tells you
Payment details
Never asked here
Answer a few questions