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Wheelchair Athlete

Life Insurance

"Prepare for all of your tomorrows"

Term Life

Cost effective temporary life insurance. These policies provide the highest benefit during a specific time period for the lowest cost. Contact us to see which carriers have the best rates in your area. Benefit amounts for $100,000 and up.                                             

Variable Universal Life (VUL)

This type of permanent life insurance is commonly referred to as life insurance with retirement planning (LIRP). The premiums are flexible and policies have investment options for accelerated cash value accumulation. Policy premiums tend to be less expensive than whole life policies; however, VUL premiums typically need to be paid forever. 

Whole Life

Permanent life insurance that accumulates cash value, benefits increase via dividend, and premiums normally are not forever. These policies are not always the lowest cost solution; however, they are considered one of the most conservative solutions for a multiple reasons.

Survivorship Policies

Commonly referred to "2nd to Die" policies. These permanent life insurance policies cover the lives of two insureds. Policies that cover the life of two insureds often have a lower premium thus leaving a greater tax-free death benefit to the beneficiaries. These policies are primarily used for the tax-free death benefit to pass wealth to a loved one.

Universal Life & Indexed Universal Life (IUL)

Permanent life insurance that accumulates cash value (IUL ties cash value accumulation to market indices). These policies are commonly used for estate planning and the transfer of wealth because life insurance death benefits are income tax-free. 

Life insurance is intended to provide death benefit protection for an individual's entire life. With payment of the required guaranteed premiums, you will receive a guaranteed death benefit and, with whole life insurance, guaranteed cash values inside the policy. 

Guarantees are based on the claims-paying ability of the issuing insurance company. Dividends are not guaranteed and are declared annually by the issuing insurance company's board of directors. Any loans or withdrawals reduce the policy's death benefits and cash values and affect the policy's dividend and guarantees. Life insurance should be considered for its long-term value. Early cash value accumulation and early payment of dividends depend upon policy type and/or policy design, and cash value accumulation is offset by insurance and company expenses. Consult with your Guardian representative and refer to your whole life insurance illustration for more information about your particular whole life insurance policy. 

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