Built for Simple, Predictable,
Strategic Wealth Transfer

Luxe Legacy GUL is a proprietary guaranteed universal life insurance solution designed to help affluent clients aged 45–65 reposition underperforming life insurance or idle, liquid non-retirement assets into an income-tax-free death benefit.

Available exclusively through LIBRA partner agencies and issued by The Cincinnati Life Insurance Company (A+ AM Best), it’s a low-risk, high-impact solution for legacy, estate, or business planning strategies.

Click on the image to download our Luxe Legacy Client Product Guide .

Who It's For

Luxe Legacy is ideal for clients who:

Own outdated life insurance policies with rising premiums or poor performance
Have matured annuities, low-yield CDs, or idle liquid assets not needed for income
Are planning for estate equalization, charitable giving, or business succession
Want to leave a meaningful, income tax-free legacy
Prefer fixed costs and predictable outcomes

What It Solves

Rising premiums and policy lapse risk
Market-linked performance uncertainty
Overly complex policy structures and rider confusion
Lack of liquidity for heirs or estate equalization
Tax inefficiency in passing down wealth

Product Structure at a Glance

Feature	Details
Policy Type	Guaranteed Universal Life (GUL)
Issue Ages	35 - 75
Funding Design	Single Pay optimized, limited and full pay option available
Guarantee	Optimized at age 99; flexible up to age 121
Face Amounts	$250,000 - $20,000,000
Pricing Method	Actual Age Pricing (Age Last Birthday)
Carrier	The Cincinnati Life Insurance Company (A+ AM Best)
Ownership Options	Personal, business, or ILIT ownership

Offered exclusively through LIBRA Insurance Partners
Issued by A+ rated carrier, The Cincinnati Life Insurance Company

FOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC.
Consumer marketing materials are not approved for use in the state of Oregon.
* Ratings are effective as of this edition and under continuous review and subject to change and/or affirmation.