Since 1910, National Guardian Life Insurance Company (NGL) has consistently been rated one of America’s most successful, independent mutual life insurance companies. Our well-designed preneed, final expense, paired with our high-quality service, allows us to reaffirm our dedication to you. National Guardian is a mutual company controlled by its policy owners and is licensed to do business in 49 states and the District of Columbia.
Financial Rating: A- (Excellent) by A.M. Best
Featured Product: Asset Guard Final Expense
National Guardian Life’s product combined with an irrevocable Funeral Expense Trust or Estate Planning Trust offers an increasing death benefit for final expense planning. Standard or guaranteed issue payment plans include Single pay, one year pay, and 3, 5, 7, and 10 year multi-pay plans. Policies are permanently assigned and ownership rights are transferred to a trust. This may exclude the policy as an asset in order to qualify for Medicaid. Funds used for funeral expenses are protected from creditors. Death proceeds used for funeral expenses will avoid probate costs and delays.
- Issue ages 0-99
- Two-page application and one-page trust document
- About 95% of death claims are processed the same day
- Face Amounts $500 – $100,000