Let’s find the right plan for you and your new baby

There’s no better time for new parents to start thinking about insurance than when they’re about to bring new life into the world. Every growing family should plan for it’s baby’s future. Here’s how we can help you.

Life insurance for new parents

Life insurance becomes even more important when you have a child to protect because it provides confidence for their financial future if something unthinkable happens to you. We have a variety of options for you.

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Whole life insurance:

The most comprehensive way for parents to protect their family, promising lifelong protection1 that pays dividends2.

Universal life insurance:

A lifelong option that offers flexibility in payment3. It may be a good choice for new parents that might expect financial uncertainty.

Term life insurance:

If you want affordable coverage for you and your family that only lasts for a set amount of years, consider this option.

Disability income insurance for your paycheck

Raising kids requires a steady income. If something happens and you’re too ill or injured to work, disability income insurance can protect a portion of your income. We recommend considering individual coverage.

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Individual disability insurance

Coverage that protects a portion of your income, so you can provide for your new baby. It can also supplement the long-term disability coverage you receive through work.

Don’t forget to talk to your employer

It’s important to plan ahead before your baby arrives. You might qualify for additional support and time off through your employee benefits package and through federal laws like FMLA.

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Adoption

If you’re thinking about adoption, there are some additional considerations you should plan for. Don’t worry, we can help you learn more.

Family Medical Leave Act (FMLA)

FMLA is a federal law that helps you take extended leave from work before or after your pregnancy. It’s smart to learn more about how it works.

Want to talk about your options?

Speak with a financial representative

If you’re ready to make a plan for those you love, we’re ready to connect you with a financial representative who can assist you.

Find a representative

We’re here if you need help

Do you have questions about protecting your newborn or about Guardian? Don’t hesitate to contact us. We’re here for you.

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Disclaimer

1

All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.

2

Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.

3

Universal Life Insurance may lapse prematurely due to inadequate funding (low or no premium), increase in cost of insurance rates as the insured grows older, and a low interest crediting rate. This does not apply to universal life policies which have a secondary guarantee, but if the secondary guarantee requirements are not met the policy will most likely lapse.

#2018-70255 - Exp. 11/20

2018-70255