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Universal and Variable Universal Life Insurance


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Life rarely moves in a straight line. Unexpected events can suddenly take you in a direction you never anticipated. And that’s precisely why Universal and Variable Universal Life offer the ultimate in flexibility. Wherever life takes you, you’ll always have the freedom to change your policy to meet your needs.

With Universal Life, your overall premium payments are put to two uses. First, part of your overall premium goes toward keeping the death benefit in effect. This is called the Cost of Insurance (COI). Then the amount of your premium in excess of the COI and other policy charges are invested in the company’s general account and are credited with an interest rate that gets applied to the policy’s cash value.

Variable Universal Life works in a similar way. Part of the premium goes toward the COI, and the premium in excess of all policy charges and premium loads is invested among several variable investment options and a fixed rate option. These variable investment options selected by the policyholder, each corresponding to an underlying fund with similar investment objectives, have the potential to grow the policy’s cash value.

Universal and Variable Universal Life can offer death benefit protection for your loved ones or business, like Whole Life does along with tax-advantaged cash value accumulation to help you save for the future.

Flexible Premium Payments
Universal and Variable Universal Life policies allow you to determine the premium amount and timing of your payments.

With Universal life, as long as you set premiums at a high enough level to cover the policy charges, it will remain in-force. As the policy grows, you can opt to infuse more or less money into your policy with any given premium payment depending on how you wish to build your cash value. As your cash value grows, you can even skip premium payments on occasion as long as there are sufficient funds in the policy to cover the COI and other policy fees.

With Variable Universal Life, any premiums beyond the COI, policy administration fees and premium loads are invested in the available variable investment options and/or the fixed rate option and have the potential to grow, the policy’s cash value according to the policyholder’s risk tolerance level. And similar to Universal Life, you can opt to infuse more or less money into your policy with any given premium payment. You can choose to not pay a premium for as long as there are sufficient funds in the policy’s account value to cover the charges COI and other policy fees.

Death Benefit Options
One noteworthy feature of Universal Life and Variable Universal Life policies is the ability to select and possibly change the death benefit option to best suit your changing insurance strategy.
• Level Death Benefit – Specified Face Amount
• Increasing Death Benefit – Face Amount plus Policy Accumulation Value
• Return of Premium Death Benefit – Face Amount plus Cumulative Outlay

Range of Riders
A range of riders can be added to Universal and Variable Universal policies to enhance flexibility and value. (Riders may incur an additional cost).
• Cash Value Enhancement*
• Waiver of Specified Amount*
• Waiver of Monthly Deductions*
• Enhanced Accelerated Benefit*
• Accelerated Death Benefit*
• Guaranteed Insurability Option
• Accidental Death Benefit*
• Disability Benefit Rider*

*Available on UL only

An Array of Investment Choices
Variable Universal Life policies differ form most other forms of insurance in that they allow you to choose how you want the funds in your policy invested. You can allocate funds to a number of variable investment options that invest in underlying mutual funds or a fixed rate option. The growth of your cash value is tied to the performance of these investments. Therefore, Variable Universal Life products are considered to carry higher risk while they also offer greater potential for higher returns.



Flexible Solutions® Variable Universal Life Gold is issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation, and distributed by Guardian Investor Services LLC (GIS). GIAC and GIS are located at 7 Hanover Square, New York, NY 10004, 1-800-441-6455. GIAC and GIS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.

Values in variable investment options will fluctuate daily and may be worth more or less than the original investment. Any individual soliciting these variable life insurance products must be a licensed life insurance agent and a registered representative of the broker/dealer.

Variable products and their underlying investment options are not deposits or obligations of, or guaranteed or endorsed by, any bank or depository institution and are not insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Association, the Federal Reserve Board or any other government agency and involve risk including the possible loss of the principal amount invested. GIS is a member of FINRA, SIPC.

The Guardian Insurance & Annuity Company, Inc. 7 Hanover Square, New York, New York 10004-4025, 800.441.6455.  A wholly owned subsidiary of The Guardian Life Insurance Company of America.

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 2005-2011, The Guardian Life Insurance Company of America

Flexible Solutions VUL Gold and its underlying investment options are offered by prospectus only. Prospectuses contain important information including charges and expenses, and should be read carefully before completing an application, investing or sending money. You should consider the investment company’s investment objectives, risks, fees and charges carefully before investing. Prospectuses contain this and other important information. A copy can be obtained from your agent or by calling 1-800-441-6455.