Are you afraid of being stuck by a needle, providing tax documentation to strangers or just don’t want the hassle of an exam in your hectic life? If so, we may have an option for you. For applicants under a certain age and applying for less than a certain amount, we can waive those requirements in most scenarios. All you will need is to submit an application with your agent and complete a detailed phone interview or an e-med (online medical questionnaire). The underwriters use the information we obtain from your application, your provided medical history, and medical records to determine if you are eligible for coverage.
Ages 18-40 up to $5000 month*
Ages 41-50 up to $3000 month*
Note: The Catastrophic Rider (CAT) can not be more than the base benefit applied for and half the Future Increase Option (FIO) is added into the monthly benefit when determining maximums under this program. Not available in California.
Financial Representatives of the Guardian Life Insurance Company of America (Guardian), New York, New York. First Financial Group is an independent agency authorized to offer products of The Guardian Life Insurance Company of America (Guardian), New York, NY and its subsidiaries and is not an affiliate or subsidiary of Guardian. The Guardian® Logo is a service mark of Guardian, used with permission. 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. This website contains the opinions of the author but not necessarily those of The Guardian Life Insurance Company (Guardian), New York, NY or its subsidiaries and such opinions are subject to change without notice. Important Disclosures: www.guardianlife.com/disclosures Terms and Conditions Privacy Policy
2021-122225 (Exp. 7/23)
