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LIFE INSURANCE CERTIFICATE SALES PROGRAM

While we realize that you may have another primary life insurance company, Guardian is now offering simplified issue life insurance certificates with almost every new disability policy issued by our office. This simplifies the underwriting process for your clients while you do their financial planning. The certificate can be presented when you deliver the disability policy, and if the client would like to redeem it for additional life insurance, you will be paid an additional first year commission on this new sale. For complete details please give us a call, and we will send you the necessary brochures.
WHO WILL RECEIVE AN OFFER?
Pre-qualified Certificate offers to purchase life insurance will be made to recently issued Berkshire individual disability income policy owners.1

The eligibility criteria for pre-qualified offers include:

  • The insured must be between ages 20-50, inclusive.
  • The insured must be classified Preferred Nontobacco or Standard Nontobacco on his or her DI policy.
  • The individual DI policy must have been underwritten (not issued as a result of a conversion, Future Increase Option, Guaranteed Issue Program, or Group Disability Replacement Rider).

The new life insurance policy applied for may be any single life policy or variable life policy issued by Guardian or The Guardian Insurance & Annuity Company, Inc.2 The offer excludes EstateGuard (survivorship), DuoGuard Rider, and pension trust policies.

HOW IS THE OFFER AMOUNT DETERMINED?
Each policy owner will receive a maximum offer amount on his or her Certificate included with the disability income policy. The offer amount will be based on the monthly benefit on the individual DI policy, and will be calculated as follows:

Monthly Disability Benefit Certificate Offer Amount
Less than $1,000
Not eligible
$1,000 - $1,499
$150,000
$1,500 - $2,499
$250,000
$2,500 - $2,999
$500,000
$3,000+
$1,000,000
Riders may be included on the new policy. However, the total first-year coverage (face amount plus riders) cannot exceed the offer amount.
HOW WILL THE LIFE POLICY CLASSIFICATION BE DETERMINED?
Disability Policy Rating Pre-Qualified Life Offer
Preferred
Preferred NT with WP
Standard Nontobacco, no exclusion(s)
Preferred with WP (may qualify for Preferred NT)
Standard Nontobacco, with exclusion(s)
Preferred (may qualify for Preferred NT and WP)
We will make every effort to consider the life policy at the best rate classification possible.
1 Pre-qualified Certificate offers to purchase life insurance are made to recently issued Berkshire individual disability income policy owners within parameters. Coverage will commence upon approval of the completed Life Application, appropriate forms, including those for variable life, if required, and payment of the first premium.

2 For those agents who are currently licensed as Financial Representatives with Park Avenue Securities LLC, this program extends to the sale of Park Avenue Series variable life policies. Application for variable life policies will be subject to a suitability review. Additionally, sales presentations for the Park Avenue Series policies must be accompanied by the appropriate prospectus.

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Lanny D. Levin Agency voice 847-597-2400   fax 847-597-2401 www.levinagency.com 1751 lake cook road, suite 350, deerfield, illinois 60015 Disclaimers