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Disability Insurance

Guardian GUARDIAN'S TRADITIONAL LIFE FOUNDATIONS

Portfolio Interest Rate Method
  • Shared results of common investment portfolio
  • Dividends based on the same dividend interest rate for all policies on Direct Recognition

Direct Recognition
  • Most equitable way to share investment performance
  • No subsidies between `borrowers' and `non-borrowers', making Guardian's 2002 non-loaned dividend interest rate of 8.00% possible

Modified Loan Interest Rate
  • 2004 dividend interest rate is 6.6%
  • May allow for greater policy distributions after reduction

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This information is intended for educational purposes only. It is for agent and broker use only. It is not for distribution to the public.