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When a person is searching for the right final expense or burial insurance, sometimes the breadth of carriers and products makes the process confusing and intimidating. Unity Financial; National Guardian; Global Atlantic; Register Funeral Trust and Pre-Need Featuring the industry leaders Check all that apply . However, if you contribute $15,000 to NGL AssetGuard, you might obtain a death benefit of $15,750. Carl Wackerle - Vice President - National Guardian Life As we mentioned, the combination of the NGL AssetGuard and The NGL Funeral Expense Trust creates a powerful combination. What does this mean? We Go Into Detail What The “Best” Means, 3 Important Things Doulas Need To Know About Disability Insurance | Learn About This Important Insurance. Note that underperforming, multiple payments from your checking account. 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. Posts: 402 Likes Received: 0 State: Georgia. The Guardian or Guardian Life. Offline Newby Guru. One way to pay for your funeral expenses in advance is to purchase a funeral insurance policy, also known as final expense insurance.When buying life insurance policies, you can assign a beneficiary to receive the death benefit, such as a family member, a friend, or anyone else who you trust. National Guardian Life Insurance Company (NGL) Web Portal. We hope you see the benefit of the NGL AssetGuard combined with the NGL Funeral Expense Trust. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. Well, you can’t break this trust once established. Sounds great! View all posts by John, Your email address will not be published. protecting one’s assets against nursing home costs. Quick and easy access to your personal and corporate data. including a life insurance policy. Additionally, your designated beneficiaries receive money after the funeral expenses. Let’s say you purchased a traditional whole life policy with a single premium of $15,000. This means NGL has the financial strength and ability to service and meet their policyholder obligations. I am a CFP® Professional and have an MBA. The issue age is one of the benefits of NGL AssetGuard. Page 1 of 2 1 2 Next > Offline thall Guru. The company is licensed in throughout the US and Washington, DC, with the exception of New York. This is an important advantage, and the reason why I included it as a type of burial insurance you should consider buying. Call or Text: The NGL Web Portal is a simple platform providing you with instant access to … Advocate. National Guardian Life. Combined, they represent a powerful combination to protect your assets while ensuring the money is there for your funeral. Lebanon, PA and the surrounding communities. Fill out the form below and we will email you additional customer literature, explaining these options in more detail. “It seems like it.”. Funeral Insurance or Final Expense Insurance Policies. $50,000 – $99,999 Batesville Homesteaders Matthews International Michigan Funeral Directors Association New York State Funeral Directors Association Precoa Selected Independent Funeral Homes & Selected Educational Trust Trigard/Darby Family It’s true. NATIONAL GUARDIAN LIFE ... MUTUAL OF OMAHA NATIONAL GUARDIAN LIFE LIFESECURE GENWORTH TRANSAMERICA STATE LIFE ONE AMERICA LINCOLN MONEY GUARD … 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. Jim, I know you are trolling,no need to post to make an offer. Since 1910, National Guardian Life Insurance Company has consistently been rated one of America’s most successful independent mutual life insurance companies. The person becomes frustrated. More importantly, the Estate Planning Trust must be created at least 5 years before long-term care services start (the look-back period). Since 1910, National Guardian Life Insurance Company (NGL) has consistently been rated one of America’s most successful, independent mutual life insurance companies. The below is just a general framework and list. Does it require a lot of effort to start?” you ask. National Guardian Life Insurance Company (NGL) is an American insurance company located in Madison, Wisconsin. Anyone can qualify. 165 were here. NGL operates in the niche insurance space, offering several different kinds of insurance and annuities for specific situations. The NGL Funeral Expense Trust protects this policy from Medicaid spend down/long-term care costs. The process is similar to their funeral trust. While Settlers Life Insurance no longer offers its final expense policies, NGL Insurance does have similar products on offer to its client base. There are differences, however. That is who we are at My Family Life Insurance. Why is this important? A.M. Best rates NGL at A-, which is the 3rd highest out of 15 rankings. This is an important advantage, and the reason why I included it as a. It’s true. Easily access your data. 40 National Guardian Life Insurance Company reviews. Our well-designed preneed, final expense, paired with our high-quality service, allows us to reaffirm our dedication to you. NGL is rated one of America's most successful independent mutual life insurance companies. On a single pay, an applicant can be up to 99 years old to qualify. This allows you to have an immediate death benefit. What do you think? You’ve probably never heard of NGL or a funeral expense trust (or funeral trust, for short). This statistic comes from the Department of Health and Human Services. In conjunction with National Guardian Life Insurance Company, AC Thompson’s funeral trust plans offer: Peace of mind for you and your family; Guaranteed issue – Up to the age of 99; Growth for inflation protection Simple and easy. Protect Your Assets Before Requiring Nursing Home Care. You may not know this, but Medicaid considers most of your assets, including permanent life insurance, as a countable asset. What makes NGL AssetGuard even more unique is that it can sit inside NGL’s irrevocable funeral expense trust. It was formed in 1910 and is an independent mutual life insurance company and is licensed to do business in 49 states and the District of Columbia. Funds used for funeral expenses are protected from creditors. The NGL AssetGuard sits in the trust. If I can't help you, you've learned a little more, and we'll part as friends. 101(a) FET Trust Flyer 08/07 National Guardian Life Insurance Company (NGL) A traditional final expense or burial insurance policy does not offer this protection (see the grid chart above). That means your estate receives $5,000. • Privacy Policy • Marketing by Vision Advertising. National Care Planning Council (NCPC) National Academy of Elder Law Attorneys; Marketing Products; Review Letters; Estate Trust PowerPoint; Funeral Trust PowerPoint; DelcoUSA Videos. Remember if you answer “yes,” you would have the guaranteed issue plan, so you will always obtain insurance. No Agent! Guaranteed issue if you answer yes. This is very important to understand. The issue age is one of the benefits of NGL AssetGuard. Provides peace of mind for you and your family – priceless. Aug 9, 2010. Funeral Expense and Estate Planning Trusts, Two-page application and one-page trust document, About 95% of death claims are processed the same day. How To Get Approved For Term Life Insurance Wicked Fast | No Medical Exam! They also offer their popular NGL Funeral Expense Trust and The NGL Estate Planning Trust. We work first and foremost with your best interests at hand, always. We will explain why. NGL Estate Planning Trust 2. National Guardian Life was founded in 1910. See the diagram below. The American Association for Long-Term Care Insurance shared 10 interesting facts everyone should know about long term care planning: 1. NGL also provides quick payment options so you… NGL is rated one of America's most successful independent mutual life insurance companies. However, However, if you contribute $15,000 to NGL AssetGuard, you might obtain a death benefit of $15,750. Whereas the maximum contribution to the Funeral Trust is $15,000, the maximum contribution to the Estate Planning Trust is $100,000 (subject to state rules). This chart will help your understanding. In the article, we offer a review of NGL AssetGuard as well as the NGL Funeral Expense Trust. (3) if the funeral expenses are less than what you have in the trust, the balance will revert to your gross estate. Once this funeral trust is set up, you can’t change it! Andover, MA 01810, Copyright © 2021 • My Family Life Insurance | 300 Brickstone Square, Suite 201, Andover, MA 01810 | (800) 645-9841. ... "Don't trust the executive team" 1.0 ... leader in the preneed industry for their superior customer experience and collaborative partnerships with agents and funeral homes," said Jennifer. If you answer “no,” you have the standard insurance plan. As one of America's most successful, independent mutual life insurance companies, we are licensed to do business in 49 states and the District of Columbia. While a bit outside the scope of this article, NGL offers a much more robust trust if you want to protect more of your money. The trust through NGL AssetGuard protects your money from creditors and Medicaid spend-down rules. National Guardian Life Insurance Company (NGL) Irrevocable Funeral Trusts are the final piece of the financial planning puzzle! Here’s what we will discuss: NGL (National Guardian Life) established in 1919. This means Medicaid could force you to terminate or dispose of the below assets before it will pay for long-term care services, including nursing homes. Most importantly Medicaid can’t require you to use the cash value in your life insurance policy to pay for nursing home costs. End of life expenses are no different. We are here to help and work only in your best interest. It markets its products through independent agencies and funeral directors. Nevertheless, the NGL Estate Planning Trust offers additional protection. You don’t need to feel that way with the NGL Funeral Expense Trust. If not, then Medicaid penalties will apply. First, we discuss their AssetGuard product. Suite 201 Standard or guaranteed issue payment plans include Single pay, one year pay, and 3, 5, 7, and 10 year multi-pay plans. Maybe it is not. An Irrevocable Funeral Trust isn’t your normal life insurance policy. Are you a policyholder, provider or do you represent an agency office? 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. The trust protects your money. Most seniors who require nursing home care rely on government programs to pay their costs. 164 were here. Your email address will not be published. Michael K. O'Dell - Funeral Trust Guru - How to add an extra $5000 - $10,000 per month using Funeral and Estate Trusts in your planning. The funeral expenses are $10,000. The below picture shows which assets are countable towards or not. Death proceeds used for funeral expenses will avoid probate costs and delays. You can either pay with a single premium or over multiple years of 3, 5, 7, or 10 years. The whole life policy offers $50,000 face amount for single pay and $25,000 for 3pay, 5 pay, 7 pay and 10 year pay. to speak with a Final Expense Expert or send us an e-mail info@carevalue.com. With National Guardian Life’s Funeral Trust combined with the Legacy Safeguard Turnkey Marketing System, you could be making an additional $16,000 per month just by asking one additional question on your Med Supp appointments! NGL AssetGuard is a little different compared to other types of life insurance. No one does. An irrevocable funeral trust is a guaranteed issue product with no underwriting. For multi-pay, issue age is up to age 80. DelcoUSA Training Videos; Live Radio Show; Contracting. Recall that your gross estate receives any balance left over in the Funeral Trust. But, within a funeral trust, this $15,750 is protected from nursing home cost claims. Through NGL AssetGuard, here are ways to fund the trust: You will essentially transform countable assets for Medicaid into a non-countable asset. Instant Approval! We will determine if the NGL AssetGuard/Funeral Trust meet your goals and objectives. Be sure to check your state for a specific asset list. Source: *AARP Funeral & Burial Planners survey published November 2007 Trust Options The NGL Trusts have no trust fees, and can be used in addition to any other trust you may already have. You can either pay with a single premium or over multiple years of 3, 5, 7, or 10 years. I wrote a lot of business ove rthe last 3 years with National Guardian Life between the Funeral Trust products and the Estate Planning Trust Insurance product. (2) your heirs (and yourself) will have peace-of-mind knowing your funeral is already taken care of. There’s no risk to contacting us. One caveat: it is hard to compare this to a traditional final expense insurance policy. National Guardian Life Trust Info. The process is simple and, in many states, the assignment to the trust is part of the application. One health question? We also offer funeral pre-planning and carry a wide selection of caskets, vaults, urns and burial containers. (4) the trust and funds are portable. You might obtain a death benefit of $30,000. National Guardian Life Insurance Company. Nina Herseberger - Out of the Box Marketing that really works. In 2011 NGL received an A- … * We also offer funeral pre-planning and carry a wide selection of caskets, vaults, urns and burial containers. This brings us to another point: it’s hard to compare the NGL Assetguard and Funeral Trust to another final expense or burial insurance policy. National Guardian Life - Laughlin Memorial Chapel, Inc. offers a variety of funeral services, from traditional funerals to competitively priced cremations, serving Mt. 300 Brickstone Square Combining National Guardian Life (NGL) with Legacy Safeguard service provides agents a unique and powerful marketing tool. It could be. NGL Funeral Expense Trust • $15,000 maximum (or state limit, if less) • The ability to help exclude assets in order to qualify for Medicaid and SSI* when applying immediately • The Trust will pay funeral costs with any excess funds going to the estate of the insured • $50,000 maximum (or state limit, if less). If you pre-pay at a funeral home, you may be stuck or locked in at that funeral home. Everyone age 55+ needs to consider establishing a Funeral Trust. 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