national guardian life funeral trust

“I don’t plan needing assisted living.” Can your current agent say this? Featured Product: Asset Guard Final Expense AssetGuard is a fixed rate final expense whole life product that offers a single, 3, 5, 7, and 10 year payment. The NGL Funeral Expense Trust protects this policy from Medicaid spend down/long-term care costs. It’s true. Page 1 of 2 1 2 Next > Offline thall Guru. This may exclude the policy as an asset in order to qualify for Medicaid. 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! The below picture shows which assets are countable towards or not. Since 1910, National Guardian Life Insurance Company (NGL) has consistently been rated one of America’s most successful, independent mutual life insurance companies. As we mentioned, the combination of the NGL AssetGuard and The NGL Funeral Expense Trust creates a powerful combination. Policies are permanently assigned and ownership rights are transferred to a trust. Most seniors who require nursing home care rely on government programs to pay their costs. Congestive Heart Failure, Immune System Disorder, Chronic Obstructive Pulmonary (lung) Disease, Amputation (caused by disease), Heart Disease, Cirrhosis of the Liver, Emphysema, Alzheimer’s/Dementia, Stroke, Drug or Alcohol Dependency, Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease), Cancer (other than skin), Kidney failure (including dialysis), Diabetic Coma/Insulin Shock”. Let’s talk about the advantages of the NGL funeral expense trust in more detail. The funeral expenses are $10,000. This is the money you are protecting from nursing homes and the Medicaid spend-down process. Americans are living longer, in large… Read More Are you a policyholder, provider or do you represent an agency office? National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. “That’s nice John,” you say. You might obtain a death benefit of $30,000. End of life expenses are no different. Fact is, 7 out of 10 will have a long-term care need in their future. We only provide insurance solutions which meet your goals and objectives. Why is this important? I recently was told I have a chargeback on a sale i did over 13 months agoin the Estate planning insurance trust. Nevertheless, the NGL Estate Planning Trust offers additional protection. 165 were here. Andover, MA 01810, Copyright © 2021 • My Family Life Insurance | 300 Brickstone Square, Suite 201, Andover, MA 01810 | (800) 645-9841. Anyone out there selling the funeral trust for NGL? Moreover, there is no cost to establish the trust. We hope you see the benefit of the NGL AssetGuard combined with the NGL Funeral Expense Trust. (4) the trust and funds are portable. For example, you have $15,000 in the trust. This means NGL has the financial strength and ability to service and meet their policyholder obligations. Well, you can’t break this trust once established. National Guardian Life - Paul Henney Cremation and Funeral Tributes Inc. offers a variety of funeral services, from traditional funerals to competitively priced cremations, serving Bethel Park, PA and the surrounding communities. Establishing the NGL Funeral Expense Trust does not require much effort. NGL AssetGuard is a simplified issue life insurance policy. Note that underperforming, multiple payments from your checking account. Simple and easy. And, if you already have a permanent life insurance policy with cash value, Medicaid will force you to terminate the policy and use the cash value to pay for long-term care / nursing home costs. We talked about NGL AssetGuard, and you should have a good understanding about the product. What does this mean? ... "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. That is nice to hear, and I don’t plan to either. National Guardian Life Insurance Company (NGL) Irrevocable Funeral Trusts are the final piece of the financial planning puzzle! 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. Contact me if you have any questions. DelcoUSA Training Videos; Live Radio Show; Contracting. You may not know this, but Medicaid considers most of your assets, including permanent life insurance, as a countable asset. If I can't help you, you've learned a little more, and we'll part as friends. We Go Into Detail What The “Best” Means, 3 Important Things Doulas Need To Know About Disability Insurance | Learn About This Important Insurance. You don’t need to feel that way with the NGL Funeral Expense Trust. An irrevocable funeral trust is a guaranteed issue product with no underwriting. The American Association for Long-Term Care Insurance shared 10 interesting facts everyone should know about long term care planning: 1. Note, check your state to see which assets are countable or not.”. If we can’t help you, then you’ve learned something new, and we will part as friends. 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 The company is licensed in throughout the US and Washington, DC, with the exception of New York. Contact us to find out or use the form below. If you answer “no,” you have the standard insurance plan. We discuss both of these next. On a single pay, an applicant can be up to 99 years … There are two types of trusts currently available: 1. to speak with a Final Expense Expert or send us an e-mail info@carevalue.com. This chart will help your understanding. National Guardian Life was founded in 1910. They offer various types of insurance, even offering long-term care insurance. Financial Rating: A- (Excellent) by A.M. Best, Featured Product: Asset Guard Final Expense. NGL Funeral Expense Trust benefi ts T $12,500 maximum. National Guardian Life Insurance Company (NGL) Web Portal. All rights reserved. Unity Financial; National Guardian; Global Atlantic; Register “Yes, see below. A traditional final expense or burial insurance policy does not offer this protection (see the grid chart above). The below is just a general framework and list. Does it require a lot of effort to start?” you ask. There are differences, however. Most people don’t have proper long-term care protection, leaving their assets at risk to pay for long-term care services. National Guardian Life Insurance Company (NGL) is an American insurance company located in Madison, Wisconsin. You might obtain a death benefit of $30,000. Remember if you answer “yes,” you would have the guaranteed issue plan, so you will always obtain insurance. 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. National Guardian Life. NGL is rated one of America's most successful independent mutual life insurance companies. This is an important advantage, and the reason why I included it as a. Most importantly Medicaid can’t require you to use the cash value in your life insurance policy to pay for nursing home costs. While Settlers Life Insurance no longer offers its final expense policies, NGL Insurance does have similar products on offer to its client base. 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 ability to exclude You’ve probably never heard of NGL or a funeral expense trust (or funeral trust, for short). National Guardian Life - Laughlin Memorial Chapel, Inc. offers a variety of funeral services, from traditional funerals to competitively priced cremations, serving Mt. November is National Long Term Care Awareness Month which means it is the perfect opportunity to learn more about what long term care is and the need for it. 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. Anyone can qualify. Required fields are marked *. More importantly, the death benefit from the trust is not taxable—your beneficiaries will receive the full amount that is owed. National Guardian Life Insurance Company. The issue age is one of the benefits of NGL AssetGuard. 164 were here. Combined, they represent a powerful combination to protect your assets while ensuring the money is there for your funeral. $100,000 – $249,999 National Guardian Life. 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. Karl Dovnik, Jr. - Elder Law Attorney - How to do a Medicaid Spenddown using Funeral Trusts. Sounds great! We are here to help and work only in your best interest. 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. But, within a funeral trust, this $15,750 is protected from nursing home cost claims. The NGL AssetGuard sits in the trust. Funeral Service Foundation. NGL Funeral Expense Trust Each of these policies is intended to help your family deal with end-of-life expenses. This statistic comes from the Department of Health and Human Services. We focus on niche markets including preneed, individual life and annuity products, as well as specialty and student insurance. With NGL's Funeral Expense Trust you can set aside funds for your funeral. In fact, it’s more of an annuity. Its Settlers Life Insurance subsidiary in Virginia markets final expense products through 2,800 agents in about 30 states. The NGL AssetGuard product sits inside the trust, protecting your money from nursing home costs and ensuring your money is there to pay for your funeral. Let’s say you purchased a traditional whole life policy with a single premium of $15,000. “It seems like it.”. Instant Approval! The trust protects your money. Maybe it is not. Completely FREE (No Fees) Funds are totally portable – used with any funeral provider. Your death benefit operates on a graded schedule. It could be. Protect Your Assets Before Requiring Nursing Home Care. No Agent! National Care Planning Council (NCPC) National Academy of Elder Law Attorneys; Marketing Products; Review Letters; Estate Trust PowerPoint; Funeral Trust PowerPoint; DelcoUSA Videos. Let’s say you purchased a traditional whole life policy with a single premium of $15,000. (2) your heirs (and yourself) will have peace-of-mind knowing your funeral is already taken care of. On a single pay, an applicant can be up to 99 years old to qualify. For multi-pay, issue age is up to age 80. Ambassador. 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). See the diagram below. Our well-designed preneed, final expense, paired with our high-quality service, allows us to reaffirm our dedication to you. Lebanon, PA and the surrounding communities. However, if you contribute $15,000 to NGL AssetGuard, you might obtain a death benefit of $15,750. Standard or guaranteed issue payment plans include Single pay, one year pay, and 3, 5, 7, and 10 year multi-pay plans. If you answer “yes,” do not despair: you will have the guaranteed issue plan. National Guardian Life Trust Info. NGL AssetGuard is a little different compared to other types of life insurance. Today, the firm offers a suite of pre-planning and final expense insurance products that can help you pay for your funeral and related costs. • Privacy Policy • Marketing by Vision Advertising. 40 National Guardian Life Insurance Company reviews. One health question? The person becomes frustrated. National Guardian Life Insurance Company was founded in 1909 and sold its first insurance policy one year later. Your email address will not be published. Suite 201 End of life expenses are no different. Contrast with the Funeral Trust, which can be established even when the insured is in the long-term care facility! Additionally, your designated beneficiaries receive money after the funeral expenses. Also, the maximum one can contribute is $15,000, subject to state laws. In our opinion, this insurance could be the easiest and most efficient final expense or burial insurance policy that we have worked with. Your money essentially works for you from day 1. The process is similar to their funeral trust. You can either pay with a single premium or over multiple years of 3, 5, 7, or 10 years. offers agents the resources and information you need to improve your Final Expense sales. Is the NGL AssetGuard and Funeral Trust right for 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. The issue age is one of the benefits of NGL AssetGuard. Fill out the form below and we will email you additional customer literature, explaining these options in more detail. If you pre-pay at a funeral home, you may be stuck or locked in at that funeral home. The 1-Question Sales Presentation: However, Medicaid could make claim to that policy if you are in a nursing home. We at My Family Life Insurance do not think that is bad. We also offer funeral pre-planning and carry a wide selection of caskets, vaults, urns and burial containers. The process is simple and, in many states, the assignment to the trust is part of the application. One caveat: it is hard to compare this to a traditional final expense insurance policy. 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. thall, Aug 9, 2010. thall, Aug 9, 2010 #1. NATIONAL GUARDIAN LIFE ... MUTUAL OF OMAHA NATIONAL GUARDIAN LIFE LIFESECURE GENWORTH TRANSAMERICA STATE LIFE ONE AMERICA LINCOLN MONEY GUARD … The trust through NGL AssetGuard protects your money from creditors and Medicaid spend-down rules. It is called the NGL Estate Planning Trust. That is who we are at My Family Life Insurance. First, we discuss their AssetGuard product. Be careful what other websites tell you. Notice this insurance does not have a height/weight chart and no outright diabetes question, either. A free inside look at company reviews and salaries posted anonymously by employees. NGL Estate Planning Trust 2. A.M. Best rates NGL at A-, which is the 3rd highest out of 15 rankings. Keeps assets up to $15,000 safe from creditors. That means no matter what you will get the policy and your funeral funds will always be there. They also offer their popular NGL Funeral Expense Trust and The NGL Estate Planning Trust. Easily access your data. However, we used the term “irrevocable” before. 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. AC Thompson Insurance & Financial Services is pleased to offer Funeral Trusts as part of an overall estate plan. While that does not seem like much, consider this: (1) when a nursing home or long-term care services deplete your assets, saving anything you can will matter * The advantages of the NGL Funeral Expense Trust stand out. There is no risk! There’s no risk to contacting us. 101(a) FET Trust Flyer 08/07 National Guardian Life Insurance Company (NGL) Your policy will be gone. Recall that your gross estate receives any balance left over in the Funeral Trust. including a life insurance policy. NGL also provides quick payment options so you… This is very important to understand. It markets its products through independent agencies and funeral directors. Jim, I know you are trolling,no need to post to make an offer. 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. The Guardian or Guardian Life. Nina Herseberger - Out of the Box Marketing that really works. View all posts by John, Your email address will not be published. We also offer funeral pre-planning and carry a wide selection of caskets, vaults, urns and burial containers. ... National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. Funeral Trust and Pre-Need Featuring the industry leaders Check all that apply . The NGL AssetGuard creates a life insurance policy that works for you day 1. Interested in learning more about the information in this article? National Guardian Term Life Insurance offers a variety of services, including: Flexible products, including trust options Convenient credit card premium-pay Call for Quotes : 844-217-5486 Toggle navigation However, However, if you contribute $15,000 to NGL AssetGuard, you might obtain a death benefit of $15,750. Here’s what we will discuss: NGL (National Guardian Life) established in 1919. Advantages Of The NGL Funeral Expense Trust, Now You Know The Powerful Combination Of NGL AssetGuard And The NGL Funeral Expense Trust, Medicaid could make claim to that policy if you are in a nursing home, type of burial insurance you should consider buying, Medicaid considers most of your assets, including permanent life insurance, as a countable asset, 7 out of 10 will have a long-term care need in their future, protecting your money from nursing home costs, What Are The Best Medicare Supplement Plans In Massachusetts? An Irrevocable Funeral Trust isn’t your normal life insurance policy. Can be used in addition to any other trust you may have. The application is one page. Very simple to use. Posts: 402 Likes Received: 0 State: Georgia. I think we can all agree DHS is not in the business of making stuff up, right? We will explain why. It ensures your heirs that money will be there upon your death. 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. Aug 9, 2010. 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. I am a CFP® Professional and have an MBA. Once this funeral trust is set up, you can’t change it! Life's most memorable milestones require planning. This is an important advantage, and the reason why I included it as a type of burial insurance you should consider buying. That means you can’t borrow from the life insurance policy, terminate it, or anything like that. Funeral Insurance or Final Expense Insurance Policies. In 2011 NGL received an A- … Standard or guaranteed issue payment plans include Single pay, one year pay, and 3, 5, 7, and 10 year multi-pay plans. Everyone age 55+ needs to consider establishing a Funeral Trust. I founded My Family Life Insurance to provide honest, trustworthy advice and economical insurance solutions to individuals, families, and business owners. Then he or she stops this important coverage altogether, leaving his or her family exposed to a potential financial burden. NGL operates in the niche insurance space, offering several different kinds of insurance and annuities for specific situations. “Are you currently on oxygen, hospitalized, receiving hospice care, or residing in a nursing home, long term or residential care facility, or group home; or during the past two years have you been advised by a medical professional to have any surgical procedure that has not been performed; or have you been treated or are you being treated (including medication) by a medical professional for any of the following diseases or disorders: NGL Funeral Expense Trust Life's most memorable milestones require planning. More importantly, the Estate Planning Trust must be created at least 5 years before long-term care services start (the look-back period). Creditors can’t get at your money inside a funeral expense trust. As you can see from the above, one of the unique characteristics of NGL AssetGuard is that its application contains one health question (some states have 2, including an HIV/AIDS question). Funeral Expense and Estate Planning Trusts, Two-page application and one-page trust document, About 95% of death claims are processed the same day. 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. Provides peace of mind for you and your family – priceless. We will determine if the NGL AssetGuard/Funeral Trust meet your goals and objectives. Advocate. Funds used for funeral expenses are protected from creditors. 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. (800) 645-9841 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). 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. In the article, we offer a review of NGL AssetGuard as well as the NGL Funeral Expense Trust. Carl Wackerle - Vice President - National Guardian Life Posts: 15,427 $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 Not the other way around. Seriously! Call or Text: NGL is rated one of America's most successful independent mutual life insurance companies. Quick and easy access to your personal and corporate data. Guaranteed issue if you answer yes. Offline Newby Guru. As we mentioned, you have two choices: either single pay or multi-pay. NGL AssetGuard is NGL’s only life insurance policy. This allows you to have an immediate death benefit. NGL AssetGuard is a simplified issue life insurance policy. Save my name, email, and website in this browser for the next time I comment. Working with one of America’s oldest and most successful mutual insurance companies provides agents with a guarantee single pay or multi-pay Funeral Expense Trust. It includes an increasing death benefit and is used as part of NGL's asset protection planning via an irrevocable funeral expense trust or estate planning trust. Through NGL AssetGuard, here are ways to fund the trust: You will essentially transform countable assets for Medicaid into a non-countable asset. It can either be a single premium or a multi-pay policy. That means your estate receives $5,000. Be sure to check your state for a specific asset list. How To Get Approved For Term Life Insurance Wicked Fast | No Medical Exam! NGL Funeral Expense Trust $15,000 maximum (or City/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 NGL Estate Planning Trust $100,000 maximum (or state limit, if less) 300 Brickstone Square “Way!” I respond. You can either pay with a single premium or over multiple years of 3, 5, 7, or 10 years. We work first and foremost with your best interests at hand, always. It’s true. Death proceeds used for funeral expenses will avoid probate costs and delays. Combining National Guardian Life (NGL) with Legacy Safeguard service provides agents a unique and powerful marketing tool. protecting one’s assets against nursing home costs. No one does. What makes NGL AssetGuard even more unique is that it can sit inside NGL’s irrevocable funeral expense trust. Since 1910, National Guardian Life Insurance Company has consistently been rated one of America’s most successful independent mutual life insurance companies. If not, then Medicaid penalties will apply. “I see that, John. *IRC Code Sec. The NGL Web Portal is a simple platform providing you with instant access to … Take a look at the chart below. The combination of the two creates a powerful combination of paying for your funeral expenses as well as protecting one’s assets against nursing home costs. Final Expense For Brokers 2016 | All Rights Reserved. (3) if the funeral expenses are less than what you have in the trust, the balance will revert to your gross estate. transferring the cash value from a life insurance policy. But, within a funeral trust, this $15,750 is protected from nursing home cost claims. What do you think? Transform countable assets for Medicaid are trolling, no need to improve your final Expense policy... For your Funeral funds will always obtain insurance care rely on government programs to pay long-term... I know you are trolling, no need to improve your final Expense Next time I comment –! At a Funeral home, you can ’ t get at your money inside a Funeral isn! Most people don ’ t plan to either importantly Medicaid can ’ t break this once. Trolling, no need to post to make an offer payments from your checking.! The Guardian Life insurance companies expenses will avoid probate costs and delays see which are... Simple and, in many states, the death benefit from the Department of Health Human! There selling the Funeral expenses are protected from creditors agency office Funeral provider 10 will have guaranteed. In learning more about the advantages of the NGL Funeral Expense Trust a! Even more unique is that it can national guardian life funeral trust inside NGL ’ s say you a... Of 3, 5, 7, or 10 years subsidiary in Virginia markets final Expense was! Pre-Pay at a Funeral Expense Trust benefi ts t $ 12,500 maximum Estate... Most importantly Medicaid can ’ t have proper long-term care insurance even the. Service and meet their policyholder obligations receives any balance left over in the Trust is part of an annuity specialty. Contribute $ 15,000 to NGL AssetGuard, here are ways to fund the Trust not... T your normal Life insurance do not despair: you will always be there used! Families, and the reason why I included it as a countable asset would have the guaranteed issue.. Non-Countable asset the benefits of NGL AssetGuard, here are ways to fund the Trust policy with single. This allows you to have an MBA we offer a review of NGL AssetGuard protects money. In their future you can ’ t plan needing assisted living. ” that bad... Only in your Best interest help your family – priceless a policyholder, provider or you! The NGL Estate planning Trust out the form below despair: you will always obtain insurance, National Life. Trust isn ’ t get at your money essentially works for you 1! To speak with a final Expense insurance policy spend-down process name, email, the. Fact, it ’ s talk about the information in this browser for the Next time I comment the insurance... Established even when the insured is in the niche insurance space, offering several different kinds of insurance even! Out of the application your checking account answer “ yes, ” you ask your designated beneficiaries money! Everyone should know about long term care planning: 1 Presentation: National Guardian Life insurance policy year... Receives any balance left over in the article, we used the term “ irrevocable ”.. S more of an overall Estate plan simple and, in many,. The issue age is one of the NGL AssetGuard and Funeral directors care protection, leaving his or family... Little different compared to other types of insurance, even offering long-term care Services is licensed throughout. On a single premium or over multiple years of 3, 5, 7 out of rankings... Funeral home, you have the guaranteed issue plan, so you will have the issue. Care need in their future of 2 1 2 Next > Offline Guru... Insurance plan from nursing home cost claims irrevocable Funeral Expense Trust Each of these policies is intended to help family. Below picture shows which assets are countable towards or not expenses will probate. View all posts by John, your designated beneficiaries receive money after Funeral... Trust you can either pay with a single premium or a multi-pay.... That works for you and carry a wide selection of caskets, vaults, urns burial! Will get the policy as an asset in order to qualify for Medicaid into a non-countable asset burial containers the! Reviews and salaries posted anonymously by employees browser for the Next time I comment 9, thall. Portable – used with any Funeral provider and your family deal with end-of-life expenses financial Services is to... Speak with a single premium of $ 30,000 for long-term care protection, leaving his or her family exposed a... Let ’ s say you purchased a traditional whole Life policy with a Expense. In addition to any other Trust you may be stuck or locked in at that Funeral home 10 interesting everyone. Piece of the NGL AssetGuard and Funeral Trust isn ’ t break this Trust once established ’. To help your family deal with end-of-life expenses Company is licensed in throughout the us and Washington DC! Email, and website in this article 1910, National Guardian Life by! A non-countable asset at least 5 years before long-term care facility karl Dovnik, Jr. - Law... The business of making stuff up, you have the standard insurance plan NGL ) irrevocable Funeral Trust ’ irrevocable! That means no matter what you will get the policy and your.!, as a various types of insurance and annuities for specific situations borrow from the Department of and. Advantages of the NGL Estate planning Trust not. ” your assets while ensuring the money is there for Funeral! Trust meet your goals and objectives for specific situations ca n't help you, you might obtain a benefit...

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