2012 "Limits" and other Important Numbers Qualified Plan (and some estate planning ) limitations and parameters updated for 2012

Building Your Practice-Building Your Practice-September 2011 Women-Owned Businesses--an underserved and growing market; Special Needs Planning

Competing+against+MoneyGuard Hybrid Long Term Care Pub 4792

Creative Wealth Maximization Strategies Newsletter for Brokers January 2012 Nuclear family financial models, extended family realities; Extended family issue: financing independent living arrangements; Extended family issue: special-needs planning; Some retirement plan contribution limits change in 2012

Duoguard DB Giving Your Beneficiary Flexibility How it Works

GLT What's On Your To-Do list (Guardian Level Term)

Guardian L121 Product Highlights 1-2012

Guardian Life Product Overview (Brokers) PUB4126BKR

Life Insurance as a Managed Asset Exec Summary PUB4661

Money Stages of WL121 PUB3957 This brochure walks you through the various "tipping" points in the life a Whole Life policy, using L121 as the specific contract.

Money Stages of WL99 PUB5357 This brochure walks you through the various "tipping" points in the life a Whole Life policy, using L99 as the specific contract.

Policy Review Considerations Uncommon Knowledge PUB4667

SIO Simplified Insurablity Option Rider-How It Works

Universal Life Current Assumption UL CA Product Guide 2011

EABR Enhanced Accelerated Benefit Rider-How it Works

GIO Guaranteed Insurability Option Comes in 3 Flavors Summary of GIO provisions, including option ages and special exercise dates.

Guardian L95 Product Highlights 1-2012

Guardian L99 Product Highlights 1-2012

Building an Effective Retirement Portfolio with Life Insurance PUB4821

Building Your Practice-June 2011 Building Your Practice-June 2011 Why TRUIRJCA spells Opportunities

Disability Waiver of Premium How it Works

Guardian as a Household Name Guardian's brand and what it means

Guardian Level Term GLT Product Highlights

Life Insurance as a Managed Asset PUB4660

Guardian UL Cash Value with GUARANTEES

Whole Life v CD approved pre-approach letter Letter you can send to prospects or clients positioning whole life insurance as an alternative to a bank CD.

Guardian UL Secondary Guarantee Rider with accumulation

Guardian's Value proposition What Guardian stands for, the value Guardian delivers...

Letters & Numbers that demonstrate financial Strength PUB4818

Manage Your Money & Life Newsletter-Winter 2011 Wellness; How Much is Enough? Your Choice of Business Structure May be Important

Small Business Matters Brochure Market research on closely held business market

Think Outside the Box-Life Insurance as an Asset Class Life insurance should be utilized like other assets, with its only special attributes. It competes very well within the universe of fixed income, conservative types of assets.

Take Advantage Rapid App--simplified underwriting program up to $3 million

Why You Should Keep Your Guardian Policy Reminder of the value of a Guardian whole life policy, and why it should not be surrendered or replaced.

Why You shouldn't wait to buy a WL65 policy penalty of waiting to purchase permanent life insurance

APS Guidelines Liberalized

DI App Updated for 2012 This is the application to be used for Guardian/Berkshire disability submissions starting immediately.

Guardian improves application to minimize NIGO

Guardian's Flexible Affordable Current Assumption Universal Life

The Statement You WILL want to open Uncommon Knowledge about Whole Life Guardian life insurance policies are valued assets, especially when they contain a Paid Up Additions Rider. Clients have no fear of opening an Annual Benefit Statement for a Guardian Whole Life policy. It always shows increased value compared to the prior year!

Manage Your Money & Life Newsletter-Fall 2011 5 Reasons You want Help with Your Employee Benefits; Marketing 101; On the Move

Duo Guard guarantees insurability for Beneficiary! The unusual DuoGuard rider guarantees a beneficiary the right to buy gigantic amounts of life insurance at the death of the insured. Great for flexible estate planning and business succession cases.

Expertise to Make Business Owner Plans Happen Brochure describing various planning objectives common to business owners and how Guardian's Business Resource Center can help

Guardian vs New York Life

Key Underwriting Enhancements 2011

Manage Your Money & Life Newsletter-Summer 2011 That Hovering Habit; Most Valuable Policy; Your General Insurance Protection Needs

MECs (Modified Endowment Contracts) and Cash Value

Selling Against Equity Indexed Universal Life Equity indexed universal life is a complicated product with many moving parts. The actual performance may vary widely from what is illustrated and here's why.

Variable Loan Interet questions to ask How variable loan interest works, and why illustrations containing loans far in the future aren' t always credible

What are the types of life insurance?

Whole Life--the whole story Guardian's flagship brochure on whole life, how it works and how it enhances your clients' financial well-being.

Why You shouldn't wait to buy a WL99 policy penalty of waiting to purchase permanent life insurance

10 Actionable Opportunities from Tax Reform Act of 2010 Sales opportunities available through 2012 made possible by large gift exemptions and other provisions of TRA 2010

Estate Guard Second to Die Highlights

Guardian Special Programs Take Advantage Rapid App(5-2011) DI2Life PUB4398[1] Simplified Underwriting with DI to Life Program and Take Advantage Rapid App

Here's What a full suite of core Whole Life products looks like...

PUB4642 Guardian Ratings fillable

What's in a Dividend 2012 PUB4077 The benefits of being mutual, Guardian's 2012 dividend, how the dividend is calculated, and what the rating agencies say.

Autobind Up $60 Million & Jumbo Limits Up to $60 million Explanation of what Autobind and Jumbo Limits are, and how Guardian's large maximums can benefit you on a case. Hint: you can go way beyond our $10 million retention maximum without "shopping" the case to reinsurance!

Guardian vs Mass Mutual

UL Single Pay to Endow vs Competitors

Ownership of Life Insurance in an Estate Plan pub 4335 Basics of using life insurance in an estate plan, including placement in an ILIT, crummey gifts, etc.

UL Level Pay to Endow vs Competitors

Common Life Ins Impairments What to Ask & What to Expect PUB4898 What to Ask and What Outcome you might expect for various conditions.

How to Choose a Life Insurance Company 2011 edition of this brochure on insurance company financial strength statistics and how Guardian measures up

The Equity Indexed UL 'Catch' A few things you should know about EIUL.

Creative Wealth Maximization Strategies-December 2011b How Will The ‘Great Recession” Change Your Perception? Research Shows Financial I.Q. Declines – Just When You’ll Need It Most Apples And Oranges: The Chance To Get Rich Vs. The Guarantee Of Avoiding Poverty Inflation Distortions

FAQs on CAUL Frequently Asked Questions about Current Assumption ("CA") Universal Life and Secondary Guarantees.

WL Advantages-What is PUAR & Premium Offset PUB4708 How does a Paid Up Additions Rider add value to a whole life policy? What does Premium Offset mean?

What is cost of policy Loan 2012 Guardian has very attractive provisions for policy loans, including Direct Recognition and reduced interest rates and spreads after age 65 (or 20 years,if later). This memorandum explains it all.

150 Years of Fulfilling Promises 150 years of Guardian's financial strength is highlighted here in its current ratings from Moody's, A.M. Best, Standard & Poor's and Fitch.

Do You Market to Foreign Nationals or "Expatriates?" Highlights of Guardian underwriting policies on non-citizens and U.S. citizens living abroad.

Foreign Nationals Underwriting Guidelines

Guardian LIFE underwriting requirements chart Underwriting requirements chart for Life Insurance

Mutual Advantage-Putting Policyholders First-2011 What it means to be a mutual life insurance company and how it benefits the policyowner.

Mutual Advantage-Putting Policyholders First-2011 Mutuality means Guardian's customers do not compete or share with stockholders. There is no conflict between owners and customers.

Mutual Advantage-Putting Policyholders First-2011 from Guardian Scene - Winter 2006