national guardian life funeral trust

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

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