Life Insurance

Life insurance can mean the difference between financial stability and financial disaster for your loved ones. Life insurance can also mean much more. Did you know…

  • Life insurance can be an integral part of your estate planning. Smart planners use permanent life insurance to protect their loved ones from the ravages of estate taxes*.
  • A permanent life insurance policy can build significant **cash value that grows tax deferred and can be accessed in the future – tax efficiently. This can mean tax- advantaged supplemental income for an early retirement or tax-advantaged income for your children’s college expenses***. Such policies can be valuable additions to a well-rounded financial plan. Please note that cash withdrawals and loans from a permanent life insurance policy reduce the policy’s death benefit by the amount of the withdrawal or loan, plus any applicable interest.
  • Let us help you determine which type of life insurance policy suits your true needs and your budget. We can help you find suitable coverage.

Think about it!

Do you know how much coverage you currently carry? Is it enough? Do you know how to determine what your true needs are? Don’t hesitate to properly protect your loved ones. They depend on you.

Many families do not carry adequate life insurance protection. Group policies through your employer are not portable (are typically cancelled when you change jobs), and are often limited to around $50,000 in benefits. How long would such a small amount of money last your family with your current budget?

To determine if your family is adequately protected, ask yourself these difficult questions: If you or your spouse were no longer around, could you continue to pay the mortgage payment? Would you have enough money to put your children through college? Would you have enough income to maintain your current lifestyle? Sadly, the answer for most families today is no.

It doesn’t have to be this way! Life insurance is the cornerstone of a sound financial plan. Don’t wait to properly protect your loved ones.

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*Guardian, its subsidiaries, agents or employees do not provide legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.**Cash value buildup is from guaranteed cash values and non-guaranteed dividends. Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors. Some whole life policies do not have cash values in their first two years of the policy and don’t pay a dividend until the policy’s third year.  Talk to your financial represnetative and refer to your individual whole life policy illustration for more information. ***Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals.  Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes.  If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes.  If the policyowner is under age 59 1/2, any taxable withdrawal may also be subject to an 10% federal tax penalty.