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Guardian's LifeSpan Gold

Guardian's LifeSpan Gold - an Automatically Convertible Term plan - is uniquely designed for clients who need relatively short duration Term coverage at very competitive rates - along with the assurance of automatic conversion to Whole Life insurance if longer-term needs develop. The policy offers clients affordable increasing Term insurance premiums during the initial period, converting automatically to a high quality, permanent Whole Life policy for the ultimate period.

The Right Policy to Suit the Need
LifeSpan Gold is well-suited to clients who have an immediate need for insurance protection but may have limited disposable income in their current life stage. These individuals will appreciate the versatility of this product - a young person starting a career; a growing family; a business owner at the start-up of a small business, where cash flow is crucial. The policy is structured so that the initial period ends at the earlier of 15 years or age 80, when it converts to a participating Whole Life policy. Or, it may be converted at any point during the first 6 policy years. An excellent choice for those seeking short-term protection coupled with long-term growth.

Term Pricing - Whole Life Solution
Guardian's LifeSpan Gold policy provides a solid platform on which to preserve future insurability. For example, by using the optional Whole Life Purchase Option¹⁶ on this policy, it can provide the owner/insured multiple opportunities to increase coverage in the future, ensuring ample coverage for a lifetime.

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