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(714)809-0744


  • Home
  • Life Insurance
  • Retirement Planning
  • Public/Govt. Employees
  • Employers/Plan Sponsors
  • Entrepeneurs
  • Estate Planning
  • Services & Products
  • About

Power of Life Insurance

purpose of Life Insurance?

purpose of Life Insurance?

purpose of Life Insurance?

Love

Life Insurance is a powerful tool that provides financial protection for loved ones in the event of an unexpected death. It offers a lump sum payment to beneficiaries, providing support to cover costs such as funeral expenses, outstanding debt, living expenses and can help create generational wealth. Life Insurance has a variety of options ranging in price, so be sure you speak to one of our licensed experts to find your best options.


Protect those that reply on your paycheck!

Index Universal Life (IUL)

purpose of Life Insurance?

purpose of Life Insurance?

Covering all your basis

IUL is a type of whole life insurance that provides a death benefit to beneficiaries while also offering tax-free accumulation of cash value & living benefits. IUL policies are designed to provide a balance between protection and growth, with the cash value component of the policy tied to the performance of a market index, such as the S&P 500. This means that the policyholder can benefit from market gains without risking losses, as the policy typically includes a "zero floor" that protects the cash value from market downturns. IUL policies also offer flexibility, allowing policyholders to adjust their premiums and death benefit over time to meet their changing needs. Overall, IUL can be a valuable tool for individuals and families looking to protect their loved ones while also building tax-advantaged savings for retirement or other financial goals. 

  1. Death Benefit transfer 100% tax-free
  2. Zero Floor - Only participate in gains and not market losses. 
  3. Tax-Free compounding interests, generating self-banking. 
  4. Living Benefits - Protections against Cancer, Stroke, Heart-attack & critical injury.

Child IUL

purpose of Life Insurance?

Whole Life Policy

College Planning

Child IUL's works the same as any IUL policy but can cost as little as $25 monthly for $100K death benefit and builds cash value. Here are some  Child IUL policy benefits:

  1. Investment Tool: A Child IUL is mainly used as a college savings account, first time home buyer savings, and retirement account that builds tax free.
  2. Lifetime coverage: A Child IUL policy provides coverage for the entire lifetime. You are investing into your child's future family.
  3. Flexibility: The policyholder can adjust the death benefit amount or change the premium payments as their financial situation changes.
  4. Competitive returns: The cash value of an IUL policy is tied to the performance of an underlying index. If the index performs well, the policyholder may earn higher returns on their policy.
  5. Estate planning: The policy can be used as part of an estate planning strategy to help transfer wealth to future generations tax free. The death benefit can be used to pay estate taxes, provide an inheritance to beneficiaries.

Whole Life Policy

Mortgage Protection Life Policy

Whole Life Policy

forever protection

 Whole life insurance is a type of permanent life insurance that provides a death benefit to beneficiaries and includes a savings component called cash value. Whole life policies typically have fixed premiums and a guaranteed death benefit, which means that the policyholder knows exactly how much they will pay and how much their beneficiaries will receive upon their death. The cash value component of the policy accumulates over time and can be used to pay premiums, borrow against, or withdraw as needed. Unlike term life insurance, which provides coverage for a specified period of time, whole life insurance offers coverage for the policyholder's entire lifetime, as long as premiums are paid. Overall, whole life insurance can be a valuable tool for individuals and families looking for guaranteed protection and long-term savings. 

Term Policy

Mortgage Protection Life Policy

Mortgage Protection Life Policy

temporary

Term life insurance is a type of life insurance that provides coverage for a specified period of time, typically ranging from ten to thirty years.  Term life insurance policies offer a death benefit to beneficiaries if the policyholder dies during the term of the policy, but do not include a savings or cash value component. Term life insurance is generally less expensive than permanent life insurance, such as whole life or universal life, and can be a good option for individuals or families looking for affordable protection for a specific period of time. Once the term of the policy ends, the policyholder can choose to renew the policy, convert it to a permanent policy, or let it expire. Overall, term life insurance can be a valuable tool for individuals and families looking for temporary protection and peace of mind. 

Mortgage Protection Life Policy

Mortgage Protection Life Policy

Mortgage Protection Life Policy

Home Protection

Mortgage protection life insurance is a type of life insurance that is designed to help pay off or cover mortgage payments in the event of the policyholder's death. Mortgage protection policies could have a decreasing death benefit that matches the remaining balance on the policyholder's mortgage. The premiums for mortgage protection life insurance policies are typically fixed, and the policies can be purchased with little to no medical underwriting. Mortgage protection can be a valuable tool for homeowners looking to ensure that their mortgage will be paid off and their loved ones will not be at risk of losing their home in the event of their death. 

Final Expense Policy

Survivorship Life Policy

Survivorship Life Policy

Burial & Funeral Planning

 Final expense life insurance is a type of life insurance that is designed to help cover the costs associated with end-of-life expenses, such as funeral and burial costs, medical bills, and other debts. Final expense life insurance policies typically have lower death benefits than traditional life insurance policies, ranging from a few thousand dollars to around $50,000, and are usually easier to qualify for, making them a good option for seniors or individuals with health issues. The premiums for final expense life insurance policies are generally fixed, and the policies can be purchased with little to no medical underwriting. Overall, final expense life insurance can be a valuable tool for individuals and families looking to ease the financial burden of end-of-life expenses and ensure that their loved ones are not left with significant debts or financial obligations. 

Survivorship Life Policy

Survivorship Life Policy

Survivorship Life Policy

Protecting each other

 Survivorship life insurance, also known as second-to-die life insurance, is a type of life insurance policy that covers two individuals, usually a married couple, with a single death benefit paid out after both individuals have died. Survivorship life insurance policies are typically less expensive than individual life insurance policies because the risk to the insurance company is spread over two lives, and the death benefit is not paid out until both individuals have passed away. Survivorship life insurance can be a valuable tool for individuals and families looking to protect their estates and leave a legacy for their heirs. Survivorship life insurance can also be used as a strategy for estate planning, as the death benefit can be used to cover estate taxes or other expenses. Overall, survivorship life insurance can be a useful tool for individuals and families looking for long-term protection and estate planning.  

accidental Death Policy

Survivorship Life Policy

accidental Death Policy

mistakes

  Accidental life insurance, also known as "accidental death and dismemberment insurance" (AD&D), is a type of life insurance policy that provides a death benefit or a benefit for dismemberment resulting from an accident. Accidental life insurance policies are typically less expensive than traditional life insurance policies, as they only cover accidental death or dismemberment and not death resulting from natural causes. The policyholder can choose the amount of coverage they want, and the policy will pay out the full death benefit or a portion of the benefit depending on the severity of the injury or dismemberment. Accidental life insurance can be a valuable supplement to traditional life insurance, providing extra protection and financial support in the event of an accident. However, it's important to note that accidental life insurance policies may have exclusions or limitations, and may not be the best option for individuals with high-risk jobs or hobbies. 

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