718-268-9255
718-268-9268LIFE INSURANCE PRODUCT
Universal Life Insurance
| Product | Guardian UltraMax Gold | Guardian UL Protector Gold | Guardian UltraLife Gold | Guardian EstateGuard SUL |
| Description | Ultramax Gold allows great flexibility in addressing current financial needs and adjusting for future changes. 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. | The Protector is the optimum choice when guaranteed lifetime protection at an affordable and predictable cost is paramount. Has level face amount for situations where protection needs will not increase over time. Has Secondary Guarantee Coverage rider, which allow for lifetime guarantees so that policy owners can select the precise amount of funding to keep the policy in force for a specified number of years, to age 121. | UltraLife Gold offers permanent, affordable coverage that can be easily modified throughout a lifetime to match current or anticipated needs. It has accumulation cash value credited at competitive current interest rate, guaranteed currently to be at least 3.5% for the life of the policy. Withdrawal amount of $500 or more allowed provided remaining cash value is sufficient to keep policy in force. | ESGUL offers a survivorship UL policy designed for maximum flexibility. It has flexibility in amount and timing of premium payments (within limits). Three death benefit options, plus ability to change after the policy is issued, and interest crediting rate tied to Guardian’s general account. Where the flexibility and affordability of UL is desired, ESGUL can offer the stability and security to ensure that changes in lifestyle will have the financial support required. |
| Riders | Waiver of specified amount (with 5-yr own occ definition) Enhanced Guaranteed Insurability Option Accidental Death Benefit | Secondary Guarantee Coverage Waiver of specified amount Enhanced Guaranteed Insurability Option Accidental Death Benefit |
Waiver of specified amount (with 5-yr own occ definition) Enhanced Guaranteed Insurability Option Accidental Death Benefit |
Single Life Term
Policy Split option Estate Preservation Option Death Waiver DuoGuard Riders |
| Issues Ages | Ages 20-80 | Ages 20-80 |
|
Ages 20-90 |
| Minimum Face Amount | $250,000 Each case mush have an initial annual premium of at least $50,000. |
$250,000 for Pref Plus NT $100,000 for all other classes |
$250,000 for Pref Plus NT $100,000 for all other classes |
$250,000 |
This information is intended for educational purposes only. It is for agent and broker use only. It is not for distribution to the public.
