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

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