*The Guardian Study of Financial and Emotional ConfidenceTM, 2021

**Source: American Academy of Actuaries and Society of Actuaries, Actuaries Longevity Illustrator, http://www.longevityillustrator.org/, (accessed Feb. 18, 2021)

Annuity guarantees are backed exclusively by the strength and claims-paying ability of the insurance company.

While the primary purpose of life insurance is death benefit protection, it is important to understand the advantages that cash value accumulation can provide to clients, including supplemental income during retirement.

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