Why You Should Work With Us

We Provide Expert Advice on Life Insurance, including Term, Guaranteed Universal, Indexed and Variable Life Insurance


We have over 50 different life insurance companies to choose from. We don't work for the insurance companies, the insurance companies work for us.


We don't sell your information to anyone, so you don't have to worry about being bombarded by calls. The GUL Guy works personally with you.


We submit 100% of our applications over the phone and online. We also have quick issue policies that don't require a medical examination.

We are an independent Life Insurance Comparison Agency specializing in finding you the best Term and Universal Life Insurance Plans

Who Is The GUL Guy?

The GUL guy

Michael V. Spelman, CFP®


Michael Spelman is a CERTIFIED FINANCIAL PLANNER™ and licensed field underwriter specializing in complex life insurance cases nationwide.


Holly Dewey

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