Manhattan from the air
The GUL guy

The GUL Guy

Michael Spelman is a CERTIFIED FINANCIAL PLANNERâ„¢ and licensed field underwriter specializing in complex life insurance cases nationwide. He currently lives on Long Island, NY, but can often be found working remotely in different time zones and locations.

The GUL guy specializes in IUL and GUL life insurance cases

Unlike Term, Indexed Universal Life and Guaranteed Universal Life policies require customized quotes that need to be constructed based on your health, budget and needs.

The GUL guy handles Term policies too

Term life policies are easier to understand and explain, but that doesn't make them any less important. The GUL guy can help you with any term policy between $50,000 and $50,000,000!