Originally Posted by FangsF15

1. No, unless you previoiusly reduced the level of coverage and are now raising it back up (which in your case is N/A).
2. The GVUL simply replaces all but $50k of your company paid policy. It has nothiing to do with, nor any overalp with, any 'extra' coverage you buy.
3. If you are talking about the company policy: No, it is one or the other. You can have GVUL and any optional/additional term if you so desire.

Check out the Engage Podcast episode DALPA put out. It's referenced in this thread, and is also available anywhere you get podcasts (Spotify, Pandora, Apple, etc).

Editorial comment: there is literally no downside to selecting GVUL for the company paid policy. None. And it will save you taxes on the lower imputed income. Just remember it's a 2-step process.