A sound financial strategy starts with protection. We recognize that life insurance provides more than just a death benefit to your family; it is the foundation of a solid financial strategy.
Life insurance can also serve as income replacement, supplemental retirement income, tax-deferred asset protection and the ability to create a legacy by funding a cause that’s close to you.
Life Insurance can provide protection for your family's well-being and overall way of life when you're not there to. Plus some permanent life insurance policies can build policy cash value, which may be a fit for the conservative portion of your overall financial strategy.
Protect your most valuable asset, your ability to earn an income. How would you pay for your bills if you were not able to work?
Group Disability Coverage
Individual Disability Income Insurance
*Life Insurance: 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 policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty. 2. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. 3. Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information.