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GUARDIAN EXPANDS THE LIVING BALANCE SHEET TO INCLUDE AN 'ESTATE PLANNING MODULE'
{ts '2009-06-04 00:00:00.000'}

Interactive Tool Simplifies Complex Wealth Preservation Strategies

NEW YORK, June 04, 2009 — The Guardian Life Insurance Company of America (Guardian), one of the largest mutual life insurers and a leading provider of employee and voluntary benefits for small and mid-sized companies, today introduced professional estate planning analysis on The Living Balance Sheet (LBS), Guardian's comprehensive process for helping clients balance their financial lives. The Estate Planning Module provides a full suite of tools that enable Guardian's financial representatives to customize estate planning strategies for their clients using simulation models that account for inflation, taxes and life expectancy.

The LBS Estate Planning Module enables Guardian clients to take an active role in managing their financial future by detailing the impact of various factors on estate values. Looming Federal estate tax law changes, along with historically low interest rates and today's uncertain economic environment, make this an extremely opportune time for Americans to review their estate plans. Until now, most individuals found this a daunting task to undertake on their own. The LBS Estate Planning Module provides unique state-of-the-art tools to enable individuals to test wealth preservation and generational transfer strategies with their Guardian agent.

"In these uncertain financial times, a tool such as The Living Balance Sheet's Estate Planning Module empowers consumers to make more informed financial decisions and reinforces the importance of proper estate preservation," said Katherine H. Readinger, second vice president, Individual Products Distribution. "Guardian is committed to providing our clients with creative tools and planning techniques to help them achieve their long-term financial goals and preserve wealth for the next generation."
The LBS Estate Planning Module is available exclusively through a relationship with a Guardian financial representatives and includes:
 

Calculators to illustrate how estate taxes, illiquid assets, life expectancy, inflation and other economic factors can erode estate values;

Current Estate Flow Chart with the ability to identify key assets and a checklist of various estate planning observations to review with clients;

Estate Design Features that can determine the potential estate transfer costs and net transfer to heirs based on various estate liquidity assumptions and a mock probate that lists all assets and asset values applied to estate transfer costs;

Wealth Shifting Design Center for illustrating current strategies and protection compared to alternate strategies with additional protection;

Strategic Solutions which include educational content, highlights and standalone calculators for illustrating the benefits of the most common estate planning techniques.

Readinger added, "This latest addition to The Living Balance Sheet process is a unique way to help our clients manage and protect their wealth. Working with a Guardian representative, the LBS Estate Planning Module simplifies some very complex estate planning concepts, allows clients to visualize appropriate planning paths and gives them the techniques to make more educated decisions about their estate plans."

About The Living Balance Sheet
The Living Balance Sheet helps tens of thousands of Guardian clients achieve and maintain financial balance in their lives, for both personal and business purposes. For more information, visit www.livingbalancesheet.com/
The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws.
© Copyright 2005-2009, The Guardian Life Insurance Company of America

About Guardian
The Guardian Life Insurance Company of America (Guardian), one of the largest and oldest mutual life insurance companies in the United States, is known for its stability and strength. A Fortune 300 company, Guardian is the only major life insurer to earn upgrades from two major rating agencies in 2008: A++ (Superior) by A.M. Best and AA+ (Very Strong) by Standard & Poor's. Guardian also has retained ratings of Aa2 (Excellent) by Moody's and AA+ (Very Strong) by Fitch (ratings current as of April, 2009).
Founded nearly 150 years ago, Guardian and its subsidiaries are committed to protecting individuals, business owners and their employees with life, long term care insurance, disability income and dental insurance products, and offer 401(k), annuities and other financial products and trust services.
Guardian operates one of the largest dental networks in the United States, and protects more than six million employees and their families at 120,000 companies. The company has more than 5,400 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

Founded nearly 150 years ago, Guardian and its subsidiaries are committed to protecting individuals, business owners and their employees with life, long term care insurance, disability income and dental insurance products, and offer 401(k), annuities and other financial products and trust services.
Guardian operates one of the largest dental networks in the United States, and protects more than six million employees and their families at 120,000 companies. The company has more than 5,400 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

For more information about Guardian, please visit: www.GuardianLife.com.
SOURCE:The Guardian Life Insurance Company of America
Web site: http://www.guardianlife.com/

 

 


 

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