InDesign brochure for the Life Products Marketing group ("Premium Financing")

1. Premium Financing
Who benefits from premium financing?
• Affluent individuals who want to purchase life insurance to leverage
the value and tax advantages for:
– personal estate planning
• Business owners who don’t want to use existing assets, but do want
to fund:
– executive benefits
– a buy-sell agreement
– key person insurance
Leveraging the power of credit to pay your life insurance premiums may
enable you to save on taxes — and keep your investment options open for
other opportunities. And paying life insurance premiums with borrowed
money minimizes your out-of-pocket outlay.
Protecting Preserving
interests . . . assets.
The Guardian Life Insurance
Company of America
7 Hanover Square
New York, NY 10004-4025 The value of life insurance. The power of credit.
Pub 4441 (4/10) www.GuardianLife.com
2010—0210

2. When it comes to your life insurance premiums, Premium financing benefits — tax advantages and more. Why Guardian?
you now have more choice.
Premium financing offers several specific advantages: Guardian is a 150-year-old mutual life insurance company that has served
While your financial strategy may require you to purchase a large amount • Minimizes or helps avoid gift taxes. individuals and businesses for generations. The company has consistently
of life insurance, you may have some reservations about paying your earned excellent ratings, and was one of the few companies to have had its
premium dollars using your existing assets or current cash flow. For • Helps you retain assets and avoid the need to sell securities in a “down” standings upgraded in 2008.
example, you may believe you can earn more on your money than you market to raise cash for life insurance premium dollars.
would pay in loan interest fees. You may have illiquid assets, such as • Provides alternative options — if your annual gift tax exclusion or Guardian offers a broad portfolio of competitive, high-quality products
stocks, bonds, real estate or business assets, that you prefer not to access unified credit is exhausted, premium financing may be a good option. that are designed in the interests of the policyholder — for value,
in order to fund your life insurance purchase. Or, perhaps you prefer to flexibility, security, and the ability to withstand the test of time.
Smart investors who would be candidates for premium financing are
preserve your cash for other purposes.
high-net-worth individuals needing larger amounts of life insurance,
which is generally held in a life insurance trust. Because the required How you can put premium financing to work for you.
Whatever your individual circumstances may be, you do have an
alternative: premium financing. It’s an innovative financial strategy premiums usually exceed annual gift tax exclusions, premium financing, Guardian’s financial representatives are poised to work with clients and
designed to help individuals buy large amounts of life insurance for coupled with an exit strategy for the loan, allows those larger sums to their advisors to put an individually designed premium-financed life
personal or business purposes, while leaving cash or other assets in place be available in the trust while minimizing and possibly eliminating insurance plan in place.
— or available to be used in other ways. gift taxes.
So whether you are using life insurance for estate funding, philanthropic,
or business planning purposes, you can now leverage the power of Why whole life insurance?
borrowed funds from a commercial lender to access the premium dollars
No other financial vehicle provides the guarantees, tax advantages, and
you need – while you continue to acquire, grow and preserve your other
leveraged benefits that permanent life insurance does:
assets for your heirs or valued employees.
• Guaranteed death benefit, typically income tax-free to beneficiaries.
• Guaranteed premium that never goes up.
Guardian’s Premium Financing Program is supported by • Cash values grow tax-deferred.1
• Policy can be used as collateral for a loan.
To learn more about the numerous benefits of
alliances with strong, reputable lending institutions that have continued to extend credit
in tight markets — including Gracie Point Premium Funding LLC, Insurative Premium Finance • May be self-completing in case of disability — if Waiver of Premium Guardian’s Premium Financing Program,
(Jersey) Limited, Boston Private (Massachusetts only), Premium Funding Group,Verite Group, Rider is available and has been selected.2
• Integrates easily with personal and business financial strategies.
contact your Guardian representative today.
Stratos Wealth Partners and Wells Fargo.
1
Participating whole life insurance generates guaranteed cash values and cash values from paid-up additions.
On the Cover Some or all of the paid-up additions come from dividends. Dividends are not guaranteed and are
RIPPLE (2010) declared annually by Guardian’s Board of Directors. These cash values are accessible through loans and/
A perfect design can have a powerful effect. or withdrawals. Policy benefits are reduced by any outstanding loans, loan interest and/or withdrawals.
The rippling effect of a single element or decision Dividends, if any, are affected by policy loans.
strengthened by its collective influence. 2
Riders may incur additional costs.