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I’ve been in on more than a few laughs and jokes when explaining to people that most of the new universal life no lapse guarantee policies provide guaranteed coverage to age 121. A few different and one company actually has their guarantee to 131.

Well, today there is living proof that while the number may not be large, those ages can be attained.

The policies, which I have long touted for their low cost and long guarantees are actually referred to by most companies as having a lifetime guarantee. So, while illustrated and guaranteed to age 121, I have been assured by more than one company president that it would be their intent to keep a policy in force until death, even if that comes as it will with Ms Dosova, after 130.

Bottom line. The truth is that any life insurance company in their right mind can see the PR upside to paying the death benefit and the PR catastrophe if they didn’t.