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Permanent Life Insurance Has Tremendous Benefits

The Guardian Life Insurance Company has just released its dividend scale for 2012, and we are pleased to announce that despite the record low interest rate environment and the rocky, unpredictable stock market conditions, there is an increase over the prior year. These findings are further evidence that the addition of permanent life insurance, from a top rated insurance company, into a well-balanced financial plan has tremendous benefits; life insurance is a non-correlated, tax advantaged asset class that helps stabilize inconsistent investment returns from other asset classes.

Over their 150+ year history, The Guardian has consistently provided our participating policyholders with strong dividend performance through our long-term investment management focus, sound underwriting and prudent expense management. Dividends are one of the most important ways that Guardian, as a mutual company, provides value to its participating life insurance policyholders. In 2012, The Guardian approved a $795 million dividend allocation to its individual life policyholders, the highest in the Company’s history. Further, the Dividend Interest Rate, which is the investment component of the dividend, will be 6.95% in 2012. Guardian’s long-term investment strategy is aimed at optimizing policyholder value while protecting Guardian’s financial strength and ratings.

Guest blogger: Martin F. Lowenthal, MSIM, CLTC is an Associate at The Bulfinch Group, where he has dedicated his life to helping individuals, families, and business owners achieve financial security. He can be reached at Aronson Insurance.