Indexed Universal Life

The Guardian Agency offers indexed universal life (IUL) and variable universal life (VUL). IUL policies link cash value growth to stock market indexes, potentially yielding higher returns than fixed-return whole-life policies. These policies have participation rates, capping maximum returns and setting minimum returns even in negative index scenarios. It includes tax-free growth, flexible contributions, and a death benefit.

VUL policies also offer tax advantages and a death benefit but invest cash directly in securities like stocks and bonds, reflecting actual market performance without caps. It involves the potential for higher returns, while cons include the risk of lower returns or losses coupled with higher management fees.

IUL suits those seeking a death benefit, premium flexibility, and somewhat better returns with limited risk. VUL, preferred by more risk-tolerant individuals, offers the potential for higher returns but with the risk of losses.

The Guardian Agency provides Indexed Universal Life and Variable Universal Life, offering flexible premiums and cash value accumulation. IUL limits gains and losses, while VUL offers the potential for higher returns and losses. Your choice depends on your financial goals and risk appetite.

Annuities

The Guardian Agency offers Fixed Annuities, a secure insurance contract ensuring steady interest rates on your contributions. Unlike variable annuities tied to market performance, Fixed Annuities guarantee specific interest rates. They’re ideal for retirement planning.

Here’s how it works: You can invest in a Fixed Annuity with a lump sum or regular payments. During the accumulation phase, your account grows tax-deferred. When you choose regular income, payments depend on your account’s size, your age, and other factors, starting the payout phase.

Why choose a Fixed Annuity from The Guardian Agency?

• Predictable returns
• Guaranteed minimum rates
• Tax-deferred growth
• Guaranteed income
• Principal safety

With The Guardian Agency’s Fixed Annuities, enjoy steady, predictable growth and tax benefits for your retirement planning.