Keeping up with life changes

Families can change in so many ways – sometimes planned, and sometimes not. And whether you've:

• planned to marry,
• are newly widowed,
• have entered a domestic partnership,
• recently divorced,
• are having (or had) a baby,
• adopted a child, or
• became someone's legal guardian,

for example, one fact remains – with change comes responsibility and you should consider protection that can help cover all your life changes. 

One way to help ensure protection is through life insurance. Through its death benefit, life insurance can help protect your loved ones. Through its living benefits, it can help you meet financial obligations during all stages in your life, all while still providing you a legacy strategy.¹

Whether you are currently a life insurance policy owner or not, you may have at least wondered what important steps you may need to take to help ensure you have adequate life coverage. 

Contact me to review your goals and objectives in order to discuss strategies to protect you and your family, further. 

^{1 Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values. Guardian® is a registered trademark of The Guardian Life Insurance Company of America. ©Copyright 2020 The Guardian Life Insurance Company of America. 2020-106016 Exp. 9/22}