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
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UltraLife Gold
Guardian's strong portfolio of life insurance products includes ULtraLife Gold, a valuable complement to a well-crafted insurance program. Backed by the financial strength of Guardian, ULtraLife Gold offers permanent, affordable coverage that can be easily modified throughout a lifetime to match current or anticipated needs. A Solution for Those Who Require the Flexibility of UL ULtraLife Gold meets business and personal planning needs of clients requiring exceptional flexibility.
Examples may include an individual who is:
- A business owner who wants buy-sell funding or key person insurance, and/or requires a matching outlay with a business partner of a different age, rating or gender.
- A business owner seeking a flexible fringe benefit program for a select group of executives, and a hassle-free way to adjust funding and benefits as salaries increase.
- Required as part of a divorce settlement to provide a lump sum at death, and seeks the lowest and most flexible payment schedule.
- Expecting Standard or Preferred rating and is going to be surprised that the underwriters are offering a less favorable underwriting class.
- A parent bracing for the cash flow squeeze of college tuition but still wants substantial death benefit protection.
- Planning for estate needs and has the confidence and savvy to forego a secondary guarantee for cash accumulation potential and/or increasing death benefits.
Thinking Outside of the Box
Guardian's ULtraLife Gold is a strategic alternative that completes a comprehensive business or personal insurance portfolio in these and a variety of other situations. Where Universal Life may be the right kind of insurance, Guardian's ULtraLife Gold can provide the perfect solution for changes - both planned and unexpected- that may arise in a lifetime.
As a Guardian-issued product, interest credited to the policy is tied to Guardian's general account assets, providing the stability and security that generations of policyholders have counted on for peace of mind.19
19 Refer to Disclosure tab
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