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LIFE INSURANCE COMPETITION
Life Insurance Competition < Life Product Info & Rates < Resources < Downloads
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Indexed Universal Life (IUL)

 
5 Common Whole Life Myths Debunked by Thomas Smoot 5 Common Whole Life Myths Debunked by Thomas Smoot
 
 
AM Best Report on Guardian (A++) June,2017 AM Best Report on Guardian (A++) June,2017
 
 
Guardian 2018  Dividend Scale Announcement Guardian 2018 Dividend Scale Announcement
 
Guardian has retained is dividend scale, keeping the dividend interest component at 5.85% in 2018
 
Guardian DIR Dividend Interest Rate vs. Competitors Pub 8180_ Guardian DIR Dividend Interest Rate vs. Competitors Pub 8180_
 
 
Guardian Dividend history vs other mutual Companies Guardian Dividend history vs other mutual Companies
 
 
Guardian Fact Sheet 2016 Pub7514 Guardian Fact Sheet 2016 Pub7514
 
Selected financial statistics from past two years annual financial statements.
 
Guardians Advantages-Consumer Flyer PUB 8463
 
 
How Guardian calculates its 2017 dividend PUB 5352 How Guardian calculates its 2017 dividend PUB 5352
 
 
How Pegging & Substitution Can Benefit Your Dividends (Dec 2013) PUB5917 How Pegging & Substitution Can Benefit Your Dividends (Dec 2013) PUB5917
 
 
How to Choose Whole Life Insurance PUB 8164 03_18 How to Choose Whole Life Insurance PUB 8164 03_18
 
 
Life Insurance Company Structure Matters-Benefits of Mutuality PUB 6372 Life Insurance Company Structure Matters-Benefits of Mutuality PUB 6372
 
 
Prepayment of Premiums (PPIA)-- new rates as of 6-12-18 Prepayment of Premiums (PPIA)-- new rates as of 6-12-18
 
Discount for 5 or more prepaid premiums will be 3.3%; for fewer premiums, the discount is 2.5%
 
Standard & Poor's (S&P) Guardian Report May,2015 Standard & Poor's (S&P) Guardian Report May,2015
 
 
Understanding Pegging & Substitution PUB 5920 Understanding Pegging & Substitution PUB 5920
 
Two dividend payment concepts that enhance value for a Guardian policyholder
 
Understanding the Risks of A Variable Loan Rate PUB6327 Understanding the Risks of A Variable Loan Rate PUB6327
 
A variable (adjustable) loan rate can have a major impact on the amount of policy distributions. Your clients should understand this if they are considering a purchase--especially based on a combination of today's dividend interest rate and today's loan rate (which may not prevail at the time of distributions).
 
Vital Signs Guide PUB 5007 Vital Signs Guide PUB 5007
 
Understanding the components of Vital Signs reports and the Comdex score
 
What Good is ESP if My Client Wants Term Insurance? What Good is ESP if My Client Wants Term Insurance?
 
ESP table shaving works for Whole Life blended with term insurance too!
 
Whole Life Checklist PUB5978 (2015) Whole Life Checklist PUB5978 (2015)
 
How do alternative life insurance products stack up next to Guardian Whole Life?
 
Whole Life Historical Dividends WL Advantage (1975-2017) PUB 6679 Whole Life Historical Dividends WL Advantage (1975-2017) PUB 6679
 
 
Why is Whole Life Insurance Valuable and Suitable in an Irrevocable Trust?
 
Six reasons why WL is better than "GUL" in an ILIT
 
EABR-How the Enhanced Accelerated Benefit Rider works EABR-How the Enhanced Accelerated Benefit Rider works
 
A quick overview of how Guardian's Enhanced Accelerated Benefit Rider operates to your clients advantage (and it costs nothing to include in a policy).
 
Optimize the Performance of Whole Life PUB 6317 Optimize the Performance of Whole Life PUB 6317
 
A mini-guide to reviewing your clients' life insurance policies with a mind toward maximizing return, minimizing disappointments.
 
Standard & Poor's (S&P) Guardian Report May,2015 Standard & Poor's (S&P) Guardian Report May,2015
 
 
Target Term Rider 'Dividend Option Q' How it Works Target Term Rider 'Dividend Option Q' How it Works
 
Guardian's meltaway term rider is one of the most flexible policy design tools you have. Use it in concert with Paid Up Additions Rider to lower premiums, or "turbo-charge" a policy with high first year cash value.
 
10 Reasons to Integrate Guardian's Current Assumption UL into your sales portfolio 10 Reasons to Integrate Guardian's Current Assumption UL into your sales portfolio
 
Top 10 Reasons to Integrate Guardian's Current Assumption Universal Life into your business plans.
 
The Indexed Universal Life The Indexed Universal Life "Catch"
 
Delve a bit deeper into how EI UL really works, and decide for yourself if this is really a product you want to recommend to your clients.
 
Moody's Aa2 rating confirmed May 2016 Moody's Aa2 rating confirmed May 2016
 
Full Credit Opinion on Guardian Life, affirming Aa2 rating.
 
Guardian's Structure, Subsidiaries & Strength Pub 4235 Guardian's Structure, Subsidiaries & Strength Pub 4235
 
 
Mutual Advantage  Putting Policyholders First PUB3680 Mutual Advantage Putting Policyholders First PUB3680
 
 
Whole Life 121 vs. Universal Life Whole Life 121 vs. Universal Life
 
 
Why You Should Keep Your Guardian Policy 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.
 
The Value Guardian Brings PUB4425 05-2013 The Value Guardian Brings PUB4425 05-2013
 
Top reasons why a client should do business with Guardian
 
Why Financial Strength Matters  PUB4857 05-2013 Why Financial Strength Matters PUB4857 05-2013
 
 
Mutual Advantage  Putting Policyholders First PUB3680 Mutual Advantage Putting Policyholders First PUB3680
 
 
What's in a Dividend? Pub 4077 2017 What's in a Dividend? Pub 4077 2017
 
Shows Guardian's 5 year dividend history, how dividends are calculated, and why the dividend makes Guardian WL competitive.
 
Does Your Life Case Need A Shave? Does Your Life Case Need A Shave?
 
Table shaving is alive and well at Guardian. Get standard rates for insureds rated up to 4 tables. Ask Lanny about Guardian's ESP (Extended Standard Program). While you're at it, find out about Guardian's Take Advantage/Rapid App program.
 
Guardian Fact Sheet 2016 Pub7514 Guardian Fact Sheet 2016 Pub7514
 
Selected financial statistics from past two years annual financial statements.
 
Guardian Dividend Interest Rate History through 2018 Guardian Dividend Interest Rate History through 2018
 
History of Guardian dividend interest rates since 1971
 
Ten Important Considerations when Purchasing Perm Life Ins (Buy the Illustration or the policy?) PUB 6322 Ten Important Considerations when Purchasing Perm Life Ins (Buy the Illustration or the policy?) PUB 6322
 
Company Structure, Financial Strength, Company focus, Policy Credits, Hypothetical Rates, Guarantees, Loan Provisions/Access to Cash, Riders, Premium Loads & Product Fees, Surrender Charges
 

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