Paid Up GUL Question

Between another carrier and what I was told from ANICO support, there seems to be conflicting information about GUL and it being paid up, or rather yet now I am a bit confused.

Simple question, for those who write with American National, ANICO, is their GUL actually paid up when illustrated to pay til a certain age, where as guarantee/illustration runs til 121?

The conflicting part from a second carrier I came across was along the lines of, "0 in the premium outlay does not mean the policy is paid up."

Is this simply a carrier difference?
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