Benefit:
Waives policy premiums in the event of a total disability.

• If disabled prior to insured's age 60- premiums are waived until insured dies or policy matures.
• If disabled on or after age 60, premiums are waived until the later of 2 years or age 65.
• Five-year “own occupation” definition. Maximum face amount eligible: $5 million
• Available on policies Standard through class 4

Benefit:
Facilitates flexible stop and go premium provisions by purchasing paid up additional insurance:

• Modal amount can be scheduled for payment along with each policy premium
• Unscheduled payments can be made at any time
• Payments can vary from year to year
• Dividends are earned on the additional paid-up insurance purchased
• Minimum yearly premium of $100

Benefit:
Purchases additional death benefit via term insurance within whole life policy

• "Target" term rider adds to death benefit of "base" whole life plan.
• Face amount decreases each year as paid-up additional insurance increases from dividends or EPUA rider purchases
• Convertible to permanent plan for initial 10 years.

Benefit:
This rider provides the owner with the right to purchase additional permanent life insurance on the insured's life without evidence of insurability.

• Available on permanent policies only
• Available to all non-rated risks
• Minimum amount = $25,000
• Maximum amount lesser of $250,000 or base face amount.
• Scheduled option dates are policy anniversaries based on issue age. See below for schedule.
• An Alternate Option date is a date within 90 days after certain events:
  • Marriage
  • The birth or adoption of a child or grandchild
  • The insured's purchase of a home;
  • The enrollment of a child of the insured in college.
  • An increase of at least 20% in the annual compensation of the insured.
• Exercise on an Alternate Option Date replaces the next scheduled Option Date.

Issue ages
0-50

Available on
Whole Life
&
Universal Life
Policies only

Benefit:
Provides the owner with the right to purchase additional permanent life insurance on the insured's life without evidence of insurability.

• Available on term policies only
• Exercisable on each Scheduled Option Date or Alternate Option Date.
• Option dates: 3rd, 6th & 9th policy anniversaries
• An Alternate Option date is a date within 90 days after certain events:
  • Marriage
  • The birth or adoption of a child or grandchild
  • The insured's purchase of a home;
  • The enrollment of a child of the Insured in college.
  • An increase of at least 20% in the annual compensation of the insured.
• Exercise on an Alternate Option Date replaces the next scheduled Option Date.
• The right to purchase a new policy on any option date expires if it is not exercised.

Only available on Guardian Gold
Yearly Renewable Term
&
Level Term
10, 15, 20 & 30

Benefit:
Option to purchase additional permanent life insurance with reduced underwriting.

• Maximum face amount available on any or all of the first 4 policy anniversaries: 30% of the original base face amount or $150,000, whichever is less
• Alternatively on the first anniversary, insured can purchase up to 100% of the basic policy's face amount up to a maximum of $500,000 in which case the rider will terminate.
• There is no additional charge for this rider. It is automatically included in any Guardian permanent single life policy of $100,000 or more that are issued to non-smokers in good health.

Benefit:
Provides access to a part of the policy's death benefit before death if the insured becomes chronically or terminally ill.

• There is no additional charge for this benefit, but it must be applied for and underwritten at the time of sale.
• Benefit can be available by providing medical certification that satisfies one of the triggering conditions:
  • Chronic Illness
    • Permanently unable to perform without substantial assistance, 2 of 6 Activities of Daily Living (eating, continence, toileting, bathing, dressing and transferring)
    • Require substantial supervision by another person to protect from threats of safety due to a severe and permanent cognitive impairment
• Terminal illness - having an illness of physical condition that can reasonably be expected to end in death in 12 months or less.

Available on
Whole Life Policies only

Benefit (prior to insured's age 25):

• If applicant dies prior to insured's age 25 - premiums waived up to insured's age 25.
• If applicant is disabled prior to insured's age 25 - premiums waived for the lesser of the total period of disability or up to insured's age 25.

Benefit (insured's age 25 & after):

• If insured is disabled prior to age 60- premiums waived for entire disability until insured dies or policy matures.
• If disabled on or after age 60, it is the greater of 2 years or to age 65. .
• Maximum face amount eligible: $5 million
• Available on policies Standard through class 4

*Must meet both criteria

Benefit:
Provides that if death results from accidental bodily injury and occurs within 120 days of an accident, Guardian will pay the amount of accidental death benefit specified in the policy.

• This amount will be doubled if the injury is sustained while the insured is a passenger in a public conveyance operated by a common carrier.
• ADB coverage continues as long as the policy is in force until the policy anniversary nearest the insured's 75th birthday.
• If the policy becomes fully paid-up by its terms, the ADB rider is also paid-up.

Benefit:
At the death of the primary insured, allows the policy owner to purchase a policy on one or more lives designated at issue of the original policy.

• This rider is also known as the Beneficiary Insurance Option (BIO) Rider.
• Designated lives are underwritten for a maximum face amount at the issuance of the original policy to which rider is attached.
• Each new policy will be issued as of the original policy date of the rider for that designated life.
• At exercise of the Option, the owner must pay the Guaranteed Cash Value that would have been in place based on the original age as of the current date plus 3% charge, which may be waived at the Company's discretion (plus any reserve adjustments for substandard cases). This rider terminates at the death of the designated life.
• There are 2 special versions of this rider available with EstateGuard.

Benefit:
Available for Universal Life plans only, this rider pays a Specified Amount into the Policy Account Value each month while the insured is totally disabled as defined in the rider.

• The payment is treated as premium paid, and is subject to the premium load.
• Under this rider, monthly deductions are not waived. Therefore, the Specified Amount selected may or may not be sufficient to keep the policy in force.
• DBR remains in force regardless of any Death Benefit Option changes.
• The rider expires at age 65.
• If the insured becomes totally disabled, benefits begin after a waiting period and any payments made during the waiting period are refunded.
• If the insured is totally disabled before age 60, we pay a benefit each month while the insured remains disabled.
• If the insured is totally disabled after age 60, benefits are credited each month while the insured remains disabled but only for two years or to age 65, whichever is longer.

Benefit:
Waives universal life monthly deductions while the insured is totally disabled (as defined in the rider).

• There is a 6-month waiting period before benefits are credited. Monthly deductions continue to be assessed until the end of the waiting period.
• Deductions between the date of disability and the end of the waiting period are credited to the policy account at the end of the waiting period.
• The policy will not lapse if monthly deductions are being waived and the policy is not over loaned.
• The Waiver of Monthly Deductions (WMD) rider expires at age 65.
• If the insured is totally disabled before age 60, we will waive monthly deductions as long as the insured remains disabled.
• If the insured is totally disabled on or after age 60, we will waive monthly deductions, while the insured remains disabled, for the longer of two years or to age 65.
• WMD remains in force regardless of any Death Benefit Option changes.