Guardian
Level-Term
Gold

Level premium term life insurance with premium guaranteed for the selected period of years. Basic policy is convertible to Guardian permanent plans for first 5 years.

• Low cost Extended Conversion Rider allows conversions in all years.
• Disability Waiver of premium utilizes-5-year “own occupation” definition of disability.
• Whole Life Purchase Option guarantees additional coverage on any whole life plan at 3rd, 6th and 9th anniversary (alternate option dates available for various life events) without evidence of insurability (up to $350,000 per option for total of $1,050,000 additional coverage).
• Lower premium band beginning at $500,000 face amount.
• Policy terminates at the end of the guaranteed period.

20-70

$250,000

Guardian Level-10 Gold

See above (but note issue ages at right)

20-70

$250,000

Guardian Level-15 Gold

See above (but note issue ages at right)

20-65

$250,000

Guardian Level-20 Gold

See above (but note issue ages at right)

20-60

$250,000

Guardian Level-30 Gold

See above (but note issue ages at right)

20-50

$250,000

Guardian Lifespan Gold

Increasing premium Term plan converts automatically to Whole Life after an initial period of 15 years. 
Lower initial cost compared to Level Term for those who expect to convert in a few years.
Whole Life Purchase Option available (see Level term description)
Disability Waiver of premium utilizes-5-year “own occupation” definition of disability; available for initial period or initial and ultimate (WL) periods.

20-70

$100,000

$250,000 for Elite and Preferred Plus NT rate

Yearly Renewable Term Gold

Indeterminate increasing premium term insurance; Renewable to age 100; Convertible to age 65; Level Death Benefit
Disability Waiver of premium utilizes-5-year “own occupation” definition of disability

20-65

$100,000
$250,000 for Elite and Preferred Plus NT rate

Profit-Sharing Protector

“Companion” policy for 2nd to Die policy in Qualified Plan; specified, increasing death benefit; renewable for 15 years; provides cash to buy policy or pay taxes at death of first insured to die

20-75

None