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The Lowest Premium. Guaranteed.

UL Mutual is the sole insurance company to offer to ensured mutualists the privilege to benefit from the Lowest Premium Guaranty on traditional personal life insurance products. Why? Because it’s all what a mutual thrives for: customer’s trust and satisfaction.

« You have just bought an insurance policy for which, to our knowledge, the premium is the lowest or at the very least very advantageous. However, as one cannot predict the future, it could happen, while this policy is in force, that you be offered an insurance policy that appears similar to this one, but with a lower premium. Should that happen and your health status has not changed, please let us know and we will replace this policy with a new one including conditions similar to the one offered to you but with a revised lower premium. We will then be able to keep you as a client, which is our ultimate goal and you will hence avoid going through all the necessary steps in subscribing to a new insurance policy (medical exams, blood sample, etc…) and starting over with the incontestability and suicide clause periods. Not to mention cash values and paid-up values which would otherwise be further postponed in time. »

Honor’s pledge

UL Mutual is recognized as a leader for service quality. UL Mutual delivers fast and efficient service to financial advisers and clients.

Within 24 hours, financial security advisers receive :

  • Call returns
  • Comparative statement receipts
  • Client’s checks return
  • Cancellation demands from clients

Within 48 h, UL Mutual processes :

  • New proposal's analysis
  • Investigation and medical reports' analysis *
  • Policy reinstatement *

Within 72 h, UL Mutual processes:

  • Policy issuance and modification *

Within 5 days, UL Mutual issue a cheque for:

  • Death Claims *
  • Cash surrender requests and loans *

* After receipt of required documents