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
UltraMax Gold
Guardian's strong portfolio of life insurance products includes ULtraMax GoldSM, a valuable complement to a well-crafted insurance program. ULtraMax GoldSM is an innovative, high-quality UL product that dovetails with a business or personal planning strategy. It provides exceptionally high early-year cash surrender values in relation to premiums paid, providing life insurance protection with a lower impact on overall financial position than conventional policies.
Real-Life Answers
ULtraMax GoldSM allows great flexibility in addressing current financial needs and adjusting for future changes. This product can benefit business owners in the following
ways:
- Impact on a business balance sheet and income statement are minimized because increases in cash surrender value are approximately equal to premiums, even in early years
- At the same time it provides security, ULtraMax GoldSM can do double-duty as a ready and preferred source of collateral for financing.
- Even though overall financial impact is low, ULtraMax GoldSM provides life insurance to fund a stock redemption or buy-out, protects a business from the loss of a key person, or funds quality fringe benefits for selected executives.
- Because of its tremendous flexibility, ULtraMax GoldSM benefits and funding are easily adjusted to reflect fluctuations in a business' value or executive benefit funding needs.
For individuals, ULtraMax GoldSM provides many benefits:
- A high degree of control over funding and life insurance benefits.
- An intelligent way to leverage other assets to greatly enhance retirement planning options.
- An ideal estate planning tool to conserve assets and equalize bequests among heirs.
- A tax-efficient way to accumulate cash in anticipation of financial need, such as college funding or the big wedding, while assuring funds if you're not there.
- Economical pricing reflects its high case size minimums.
A Simple Solution
Guardian's ULtraMax GoldSM Universal Life is the capstone of a comprehensive business or personal insurance portfolio. 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.
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