Life Services
What's New
- *** Disability Product Changes - Full Details ***
- New Issue and Participation Table
- Inflation Impact on Care Event Costs
- Berkshire Long Term Care (Choice Provider) New Jersey Specimen Contract
- Guardian's 2010 Dividend
Learn about Guardian's 2010 dividend and Financial ratings - The Whole Story of Whole Life
A guide to the benefits and reasons why you should be presenting Whole Life to your … - Guardian Retention and Reinsurance Limits
Autobind, Jumbo and retention Limits by product type. - Take Advantage
Up to 2 million of life insurance with no medical testing!!!!! - Take Advantage Approved Carriers
Take Advantage Approved Carrier list - Premium Financing
Premium Financing with Guardian
EstateGuard® Whole Life
Guardian's EstateGuard® Whole Life policy provides a smart, tax-advantaged financial strategy for businesses or for individuals with sizeable estates. When the goal is protecting and conserving a legacy to pass on to your business partner or heirs, consider EstateGuard® WL.
Affordable Guaranteed Coverage
Under EstateGuard® WL, two lives are insured and benefits are paid at the second death, providing cash in hand when it may be needed to cover estate taxes or other expenses incurred. Cash values and dividends increase after the first death, so the out-of-pocket costs for continued coverage may be reduced or discontinued.14
Businesses can utilize survivorship life insurance as a valuable balance sheet asset, or to protect against the loss of a key executive, or for a number of other applications where securing tax-advantaged funds is desired.
Individuals benefit from the more affordable protection offered under survivorship insurance. It can be used to leverage other assets to enhance retirement planning options, or as an ideal estate planning tool to conserve assets and equalize bequests among heirs.
Innovative Solutions
EstateGuard® WL complements a well-structured business or personal insurance portfolio. When the guarantees of whole life are important to ensure that your life's work is secured, EstateGuard® WL can be an ideal solution.
14 Refer to Disclosure tab
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