On Your Mark, Get Set, GRO!
I still love GUL as a solution for many insurance needs. And United of Omaha's is competitive.
And then some. Most of their GUL policies have a Guaranteed Refund Option that provides 50% return of premiums at year 15, and 100% at years 20 and beyond.
What's more, their Chronic Illness Rider provides up to the lesser of $500,000 or 80% of the face amount if the insured is unable to perform 2 of the 6 Activities of Daily Living.
So your client can Die Early, Get Sick or get their money back along the way. Aren't they lucky.
Here are some details on the Accelerated Benefits riders: