Guardian L95: The Whole Life Insurance Policy Delivering on Its Promises (so far!)

Are you interested in learning more about whole life insurance policies and their performance? In this video, we will be taking a closer look at the Guardian L95 '19 series policy we put in force. This pre-7702 policy offers a higher guaranteed rate of 4%, as compared to 3% today for the rest of the Guardian products except 2% for the 10-pay. Additionally, this policy is direct recognition which means if a cash value policy loan is taken out it would increase the dividend on loaned funds from a 2023 dividend of 5.75% to 6%, to match the policy loan fixed interest rate.

We'll show you the funding and performance numbers for this policy, including our initial funding target of $116,000 for 10 years, and actual funding of $170,000 in years 1 and 2, and $100,000 for years 3-10. You'll see how the policy has performed better than projected with a guaranteed CV breakeven in year 5 vs original of 8 and a dividend CV breakeven in year 4!

The key factor in strong actual performance is three-fold:

1) Choosing a strong company with proven track record of performance, such as Guardian, Mass Mutual, Northwestern Mutual and New York Life

2) Designed for maximum cash value and maximum flexibility - this is done by allowing for around 10% of ones money being funded towards whole life base premium dollars and the other 90% going towards paid up additional whole life insurance (PUAs)

3) Working with an agent who can set up a customized policy transparently that will help achieve client needs, and provide service and support after the policy is in force!

This video will provide you with valuable information on whole life insurance policies, and how they can perform. It will also give you an insight on how to evaluate the performance of such policies. Join us as we take an in-depth look at the Guardian L95 '19 series and its proof of performance.

Alpha Crusaders LLC - As a brokerage based in Portland, Oregon, we provide customized insurance solutions and expert guidance to clients throughout the United States.

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DISCLAIMER:
All advice and/or opinions expressed in our videos are the result of our experience in the insurance and financial industries. Any action taken based on the information expressed in our videos is the sole responsibility of the viewer. All content produced is for informational purposes only.

#finance #wholelife #insurance

[christophermarcoux]

I am sure that a newer product may be a little bit different, i would think the numbers wouldn't change too much, if the yearly pay in is 12, 000+ but is your client paying 1, 000 a month or does he pay a lump sum annually?

Honestly looking for something like this but this looks out of my league....

[Zurie-Miracle]

Save your money. GUARDIAN disability insurances are in the business of denying your claim and not paying you after you've been paying for years upon years in the event of an unforeseen life changing condition happens wearing you need them. If you are considering signing up consult a reputable Disability Law Firm to review the policy before you sign up so you know exactly what your benefits are. Overall all the funds that you would have invested monthly into any disability insurance company it would be more BENEFICIAL for you to invest YOUR MONEY in something else and you won't have the headache of fighting the insurance companies to get minimum monthly pay compared to what you were receiving as a physician.