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 policies 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.

Premium rates are based on a hypothetical blend of male and female nonsmoker rates, not available for sale. Your individual policy premium may vary based on coverage amount, risk class, age, gender, policy type, or state of issue.

WebMD,  5 Surprising Health Challenges of Aging https://www.webmd.com/healthy-aging/challenges-of-aging#1, August 15, 2022

"Funeral Costs: How Much Does an Average Funeral Cost?" Parting, September 13, 2022

"Deceased Taxpayers – Understanding the General Duties as an Estate Administrator" IRS, September, 15, 2022

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.

"Am I responsible for debts from my deceased spouse?" Bankrate, January 19, 2022

All investment contains risk and may lose value.

Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

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

The premium offset year is not guaranteed and relies on the payment of nonguaranteed dividends and the amount of paid-up additions in the policy in order to pay for the policy’s required premium.

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.