This article is for informational purposes only. Guardian may not offer all products discussed. Please consult with a financial professional to understand what life insurance products are available for sale.

1 https://www.limra.com/en/newsroom/news-releases/2020/2020-insurance-barometer-study-reveals-a-significant-decline-in-life-insurance-ownership-over-the-past-decade/

2 The Human Life Value method of estimating life insurance needs:

3 https://www.policygenius.com/life-insurance/life-insurance-cost/

4 Sources**:** S&P Global Market Intelligence; Claritas Pop-Facts. Data based on ordinary premiums within the National Association of Insurance Commissioners regulatory statements. From https://www.nerdwallet.com/blog/insurance/average-life-insurance-rates

Riders may incur an additional cost or premium. Riders may not be available in all states.

A Waiver of Premium rider waives the obligation for the policyholder to pay further premiums should he or she become totally disabled continuously for at least six months. This rider will incur an additional cost. See policy contract for additional details and requirements.

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.

Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial professional and refer to your individual whole life policy illustration for more information.