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Whole Life Insurance | Retirement Annuities
Pension Trust Whole Life Insurance
Since the policies must have level annual premiums and guaranteed cash values, Guardian uses whole life policies in our 412(i) Plans. Because Guardian is a mutual company and is owned by its policyholders, these policies may produce dividends. Dividends earned by policies within a 412(i) plan must be used to reduce the future plan contributions*.
Pension Trust Retirement Annuities
These contracts have a 3% guaranteed interest rate. The guaranteed interest rate will never be less than 3%, and the contracts may also generate dividends. Any dividends paid must be used to reduce the plan cost*.
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