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Changing Careers


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Facing the unknown can be a trying experience, whether you’re excited about starting in a new position, you’re stressed after being laid off, or you’re switching careers and are uncertain about what tomorrow will bring. At times like this, it’s always a good idea to talk to a professional — like a Guardian Financial Representative — about the best course of action when your career takes a brand new turn.

Losing a job

Losing your job can be a truly nerve-wracking experience. It’s important to remember, though, that a short-term career setback doesn’t need to completely derail your long-term goals. A Guardian Financial Representative can work with you to find the best way to meet your immediate needs while minimizing the impact on your financial future. This may involve restructuring your financial strategy or taking a loan* against your whole life, universal life or variable universal life insurance policy, or tapping into your annuity.

Starting a new job

It's not just about what lies ahead of you in a new job. It's about what you're leaving behind. Friends. Coworkers. And probably a 401(k), as well. Rolling any retirement savings from your old jobs into a Rollover IRA  can offer you substantial benefits over simply letting them gather dust.

Starting a new job is also the perfect time to make sure you’re deriving enough benefit from your benefits package. While many employers offer life insurance and disability insurance, they typically don’t provide adequate protection when you need it most. Besides, if you ever leave your job, those benefits may not be portable, leaving you without any coverage at all.

Beginning a new career

When switching careers, you’re likely to face a little more uncertainty than when you simply change jobs. And it may take some time before you have the financial stability and security you had in your old career. Fortunately, if you have a permanent life insurance  policy in place, you can usually take a tax-advantaged loan from your account until your new career starts paying off. In any event, this is a great time to talk to a Guardian Financial Representative about getting off to a fresh start with a long-term plan to match your new career.

Opening a small business

Making the decision to launch a small business doesn’t come easy. And once you do it, you can use all the help you can get. A Guardian Financial Representative can be just the person to help you navigate the challenges and opportunities of being a business owner. To learn more, click here.

Policy benefits are reduced by any outstanding loans and loan interest. Dividends, if any, are affected by policy loans and loan interest. If the policy lapses, any loans considered gain in the policy may be subject to ordinary income taxes.