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Some things make you feel better about life

Life insurance is one of them

Why Life Insurance?

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LIFE INSURANCE IS ABOUT GETTING MORE OUT OF LIFE

There’s no substitute for life insurance when it comes to protecting your loved ones. If you can’t be there, we can. But you can also use life insurance to build lasting assets. Find out how life insurance can improve your life.

ONE FAMILY’S STORY

A Colorado family, the Carlsons, talk about the ways Guardian life insurance policies have improved their financial picture. From enabling them to plan for the future education costs of their newborn to achieving long-term savings goals, Guardian is helping the Carlsons to shape their dream.

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Types We Offer

What it is

Benefits

Who it's Best for

Whole and universal life insurance are types of permanent insurance that can provide you guaranteed protection for life, tax-deferred cash value accumulation, and the ability to access your funds.

  • Whole life offers guaranteed life insurance protection that will never expire, as long as your payments remain current.
  • Permanent life insurance allows you to build cash value, which is the portion of money you can use during your life for things like mortgage payments, education, and loans. 
  • Permanent life insurance can be customized to allow high flexibility.

The money you spend on this insurance may be higher up front than for term life insurance, but its value and coverage do not expire. It is ideal for those who wish to build a significant financial asset.

Term Life Insurance

Think about term life as renting property compared to owning it. Term life is an economical way to provide life insurance protection, with no accumulated cash value, for a limited period of time you choose, e.g., 10, 15, 20, or 30 years.

  • Affordable coverage that will expire when the time period you selected is up.
  • May be converted to permanent insurance (whole life or universal life) in the future.

Ideal for people who wish to provide life insurance protection for their families at a relatively reasonable price for a specific amount of time.

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THINK HOLISTICALLY. THINK WHOLE LIFE.

The most comprehensive form of permanent life insurance is called whole life. It’s a great way to build lasting assets that can finance significant life events, such as a child’s education, retirement, and leaving a legacy. Costs will never change because they are contractually guaranteed by the insurance company, and there may be tax advantages, too. Explore this helpful and versatile asset.

MORE ABOUT WHOLE LIFE INSURANCE

UNIVERSAL LIFE: PROTECTION THAT BUILDS A LASTING CASH ASSET

Universal life is a type of permanent insurance that offers high flexibility. The product allows you to accumulate cash value tax-deferred, with an interest rate typically tied to Guardian's General Account, which is made up of the company’s investments, or other separate accounts. In addition, you have the freedom to vary the amounts and timing of payments. Explore this flexible form of permanent life insurance. 

MORE ABOUT UNIVERSAL LIFE INSURANCE

TERM LIFE: A PRACTICAL APPROACH

Term life insurance is the simplest form of insurance. Purchase this type of coverage for a set term, such as 10, 15, 20, or 30 years. If you pass away during the covered time period, your loved ones will receive a guaranteed sum of money. 

MORE ABOUT TERM LIFE INSURANCE

Resources and Information

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THE LIVING BALANCE SHEET®: FOCUS ON YOU

Life can get complex. Ever wish that you could see how your credit cards, household expenses, savings accounts, life insurance, and other assets link together? Ask a Guardian Financial Representative to set up The Living Balance Sheet for you. Your complete financial snapshot, in one location you can visit whenever you want.

MORE ABOUT THE LIVING BALANCE SHEET
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THE COST OF LIFE INSURANCE

Why life insurance? So you'll know that your loved ones would have financial resources if you weren't there. Insurance policy coverage and costs are tailored to each person and their unique goals. Learn what factors may influence the cost of your life insurance protection. 

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FOUR THINGS TO THINK ABOUT WHEN BUYING LIFE INSURANCE

Looking to buy life insurance for the first time? This guide will explain what to look for when buying life insurance and how to make the process smoother.

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What is Cash Value?

Some varieties of life insurance don’t just cover you – they also build a cash value asset. Learn more about cash value in a whole life insurance policy.

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Universal vs Whole Life Insurance

Each type of life insurance has unique features. Read more about universal life products and whole life insurance policies here.

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What are the tax benefits of whole life insurance?

Whole life insurance isn’t without its benefits. Learn about the tax benefits to whole life insurance as it applies to your policy. 

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The Top Six Benefits of Whole Life Insurance

Want to secure your family’s financial future? Learn about the primary advantages of whole life insurance.  

Learn more

Life Insurance 101

Learning about life insurance doesn't have to be hard. We’ve broken the topic down into three simple lessons that will teach about the importance of life insurance, the different options you have, and how much you may need. 

WATCH VIDEO
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YOUR FAMILY’S FUTURE IS SHAPED BY THINGS YOU DO NOW

There are big events that shape your family life: getting married, having children, seeing them grow up and go off to college, and perhaps get married themselves. You’ll want to be there for your family, every step of the way. We can help you get there.

More About Protecting Your Family

All 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.

Permanent life insurance has non-guaranteed values, such as dividends for whole life, and interest rates or cost of insurance charges for universal life.

The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2014 The Guardian Life Insurance Company of America.

Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.