Since 1910, National Guardian Life (NGL) has consistently been rated one of America’s most successful independent mutual life insurance companies. Right now, you can offer your clients final expense planning at a new level of simplicity and protection. NGL’s approach enables you to work with clients to earmark life insurance for final expense purposes, as well as protect those funds from various types of assignments, including Medicaid. An NGL plan, combines with the NGL Trust options, is a total solution and next evolution in final expense planning.


NGL Guaranteed Issue Life Product

  • Completely Guaranteed Issue Age 40-60

  • No Health Questions

  • Direct Express card approved along with credit card for payment

  • 48 Hour issue on New Business

  • Online Report for Commissions

  • May assist with Medicaid qualification.

  • Can be sold over the phone with wet signature (e-signature and voice signature in the works)

  • Death in first two years pays return of premium plus 10%

  • May be assigned to Estate Planning Trust making the claim payable the next business day.

  • 3 and 6 month advancing available up to $500 per policy.

  • Free Lifetime Membership in Legacy Safeguard.

  • Agents can split commissions on this product.



NGL Is Available In:

Currently available everywhere except NY.


*National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life.


**Some states may vary on Medicaid Rules and eligibility is not guaranteed; please consult an Elder Law Attorney in your state for assistance. Insurance coverage provided by National Guardian Life Insurance Company.