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Anyone out there selling the funeral trust for NGL? “I don’t plan needing assisted living.” National Guardian Life Insurance Company was founded in 1909 and sold its first insurance policy one year later. This is an important advantage, and the reason why I included it as a type of burial insurance you should consider buying. Are you a policyholder, provider or do you represent an agency office? It can either be a single premium or a multi-pay policy. Carl Wackerle - Vice President - National Guardian Life Easily access your data. National Guardian Life - Laughlin Memorial Chapel, Inc. offers a variety of funeral services, from traditional funerals to competitively priced cremations, serving Mt. The NGL Web Portal is a simple platform providing you with instant access to … Why is this important? All rights reserved. Protect Your Assets Before Requiring Nursing Home Care. Very simple to use. Contact us to find out or use the form below. Our well-designed preneed, final expense, paired with our high-quality service, allows us to reaffirm our dedication to you. 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? 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. “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: While Settlers Life Insurance no longer offers its final expense policies, NGL Insurance does have similar products on offer to its client base. 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. $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 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 165 were here. See the diagram below. We also offer funeral pre-planning and carry a wide selection of caskets, vaults, urns and burial containers. Since 1910, National Guardian Life Insurance Company has consistently been rated one of America’s most successful independent mutual life insurance companies. It’s true. Sounds great! Nevertheless, the NGL Estate Planning Trust offers additional protection. National Guardian Life Insurance Company. Moreover, there is no cost to establish the trust. (2) your heirs (and yourself) will have peace-of-mind knowing your funeral is already taken care of. View all posts by John, Your email address will not be published. Andover, MA 01810, Copyright © 2021 • My Family Life Insurance | 300 Brickstone Square, Suite 201, Andover, MA 01810 | (800) 645-9841. Unity Financial; National Guardian; Global Atlantic; Register You don’t need to feel that way with the NGL Funeral Expense Trust. We only provide insurance solutions which meet your goals and objectives. There are differences, however. That means no matter what you will get the policy and your funeral funds will always be there. I think we can all agree DHS is not in the business of making stuff up, right? Advocate. 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. End of life expenses are no different. Can be used in addition to any other trust you may have. Funeral Insurance or Final Expense Insurance Policies. Aug 9, 2010. That means your estate receives $5,000. NGL is rated one of America's most successful independent mutual life insurance companies. One health question? That is nice to hear, and I don’t plan to either. Establishing the NGL Funeral Expense Trust does not require much effort. How To Get Approved For Term Life Insurance Wicked Fast | No Medical Exam! However, Medicaid could make claim to that policy if you are in a nursing home. Provides peace of mind for you and your family – priceless. (4) the trust and funds are portable. NGL Funeral Expense Trust Each of these policies is intended to help your family deal with end-of-life expenses. We work first and foremost with your best interests at hand, always. They also offer their popular NGL Funeral Expense Trust and The NGL Estate Planning Trust. Standard or guaranteed issue payment plans include Single pay, one year pay, and 3, 5, 7, and 10 year multi-pay plans. Your policy will be gone. First, we discuss their AssetGuard product. There’s no risk to contacting us. Posts: 402 Likes Received: 0 State: Georgia. What do you think? The NGL AssetGuard creates a life insurance policy that works for you day 1. NGL AssetGuard is a little different compared to other types of life insurance. What does this mean? One caveat: it is hard to compare this to a traditional final expense insurance policy. I founded My Family Life Insurance to provide honest, trustworthy advice and economical insurance solutions to individuals, families, and business owners. There is no risk! Be careful what other websites tell you. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. The trust through NGL AssetGuard protects your money from creditors and Medicaid spend-down rules. If you answer “yes,” do not despair: you will have the guaranteed issue plan. “Yes, see below. As we mentioned, you have two choices: either single pay or multi-pay. The issue age is one of the benefits of NGL AssetGuard. 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. What makes NGL AssetGuard even more unique is that it can sit inside NGL’s irrevocable funeral expense trust. Nina Herseberger - Out of the Box Marketing that really works. 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. On a single pay, an applicant can be up to 99 years … National Guardian Life Insurance Company (NGL) is an American insurance company located in Madison, Wisconsin. Posts: 15,427 A traditional final expense or burial insurance policy does not offer this protection (see the grid chart above). With NGL's Funeral Expense Trust you can set aside funds for your funeral. Everyone age 55+ needs to consider establishing a Funeral Trust. We discuss both of these next. 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. 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! However, we used the term “irrevocable” before. This is an important advantage, and the reason why I included it as a. protecting one’s assets against nursing home costs. We are here to help and work only in your best interest. 164 were here. Fill out the form below and we will email you additional customer literature, explaining these options in more detail. “Way!” I respond. Lebanon, PA and the surrounding communities. “I see that, John. This is very important to understand. That is who we are at My Family Life Insurance. Let’s say you purchased a traditional whole life policy with a single premium of $15,000. 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). We hope you see the benefit of the NGL AssetGuard combined with the NGL Funeral Expense Trust. Additionally, your designated beneficiaries receive money after the funeral expenses. 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. Suite 201 On a single pay, an applicant can be up to 99 years old to qualify. 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. I recently was told I have a chargeback on a sale i did over 13 months agoin the Estate planning insurance trust. Recall that your gross estate receives any balance left over in the Funeral Trust. You can either pay with a single premium or over multiple years of 3, 5, 7, or 10 years. 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. Note, check your state to see which assets are countable or not.”. Michael K. O'Dell - Funeral Trust Guru - How to add an extra $5000 - $10,000 per month using Funeral and Estate Trusts in your planning. The NGL AssetGuard sits in the trust. (800) 645-9841 The NGL Funeral Expense Trust protects this policy from Medicaid spend down/long-term care costs. End of life expenses are no different. Not the other way around. Most importantly Medicaid can’t require you to use the cash value in your life insurance policy to pay for nursing home costs. Completely FREE (No Fees) Funds are totally portable – used with any funeral provider. No Agent! NGL AssetGuard is a simplified issue life insurance policy. Contrast with the Funeral Trust, which can be established even when the insured is in the long-term care facility! The funeral expenses are $10,000. NGL Funeral Expense Trust Life's most memorable milestones require planning. 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. NGL AssetGuard is NGL’s only life insurance policy. Ambassador. Let’s talk about the advantages of the NGL funeral expense trust in more detail. Your email address will not be published. DelcoUSA Training Videos; Live Radio Show; Contracting. 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. thall, Aug 9, 2010. thall, Aug 9, 2010 #1. The application is one page. “That’s nice John,” you say. $100,000 – $249,999 National Guardian Life. Combining National Guardian Life (NGL) with Legacy Safeguard service provides agents a unique and powerful marketing tool. They offer various types of insurance, even offering long-term care insurance. Final Expense For Brokers 2016 | All Rights Reserved. This statistic comes from the Department of Health and Human Services. You might obtain a death benefit of $30,000. For multi-pay, issue age is up to age 80. Maybe it is not. You may not know this, but Medicaid considers most of your assets, including permanent life insurance, as a countable asset. 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. Once this funeral trust is set up, you can’t change it! The below picture shows which assets are countable towards or not. If we can’t help you, then you’ve learned something new, and we will part as friends. Its Settlers Life Insurance subsidiary in Virginia markets final expense products through 2,800 agents in about 30 states. Offline Newby Guru. The advantages of the NGL Funeral Expense Trust stand out. including a life insurance policy. The process is simple and, in many states, the assignment to the trust is part of the application. National Guardian Life Trust Info. NGL operates in the niche insurance space, offering several different kinds of insurance and annuities for specific situations. 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). This allows you to have an immediate death benefit. We will determine if the NGL AssetGuard/Funeral Trust meet your goals and objectives. In fact, it’s more of an annuity. If I can't help you, you've learned a little more, and we'll part as friends. Take a look at the chart below. It is called the NGL Estate Planning Trust. Can your current agent say this? NGL also provides quick payment options so you… This may exclude the policy as an asset in order to qualify for Medicaid. Americans are living longer, in large… Read More In the article, we offer a review of NGL AssetGuard as well as the NGL Funeral Expense Trust. If not, then Medicaid penalties will apply. Jim, I know you are trolling,no need to post to make an offer. Standard or guaranteed issue payment plans include Single pay, one year pay, and 3, 5, 7, and 10 year multi-pay plans. Be sure to check your state for a specific asset list. Well, you can’t break this trust once established. National Guardian Life Insurance Company (NGL) Irrevocable Funeral Trusts are the final piece of the financial planning puzzle! Creditors can’t get at your money inside a funeral expense trust. There are two types of trusts currently available: 1. *IRC Code Sec. The trust protects your money. 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. to speak with a Final Expense Expert or send us an e-mail info@carevalue.com. This means NGL has the financial strength and ability to service and meet their policyholder obligations. Seriously! transferring the cash value from a life insurance policy. Since 1910, National Guardian Life Insurance Company (NGL) has consistently been rated one of America’s most successful, independent mutual life insurance companies. 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. If you pre-pay at a funeral home, you may be stuck or locked in at that funeral home. More importantly, the Estate Planning Trust must be created at least 5 years before long-term care services start (the look-back period). You’ve probably never heard of NGL or a funeral expense trust (or funeral trust, for short). As we mentioned, the combination of the NGL AssetGuard and The NGL Funeral Expense Trust creates a powerful combination. Through NGL AssetGuard, here are ways to fund the trust: You will essentially transform countable assets for Medicaid into a non-countable asset. Life's most memorable milestones require planning. We at My Family Life Insurance do not think that is bad. ... National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. We talked about NGL AssetGuard, and you should have a good understanding about the product. ... "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. Quick and easy access to your personal and corporate data. It’s true. National Guardian Life. 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 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. However, 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. Anyone can qualify. Remember if you answer “yes,” you would have the guaranteed issue plan, so you will always obtain insurance. We focus on niche markets including preneed, individual life and annuity products, as well as specialty and student 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. NGL Estate Planning Trust 2. Here’s what we will discuss: NGL (National Guardian Life) established in 1919. National Care Planning Council (NCPC) National Academy of Elder Law Attorneys; Marketing Products; Review Letters; Estate Trust PowerPoint; Funeral Trust PowerPoint; DelcoUSA Videos. A free inside look at company reviews and salaries posted anonymously by employees. Funds used for funeral expenses are protected from creditors. Karl Dovnik, Jr. - Elder Law Attorney - How to do a Medicaid Spenddown using Funeral Trusts. The 1-Question Sales Presentation: We Go Into Detail What The “Best” Means, 3 Important Things Doulas Need To Know About Disability Insurance | Learn About This Important Insurance. 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. Contact me if you have any questions. Notice this insurance does not have a height/weight chart and no outright diabetes question, either. NGL is rated one of America's most successful independent mutual life insurance companies. 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. Page 1 of 2 1 2 Next > Offline thall Guru. NATIONAL GUARDIAN LIFE ... MUTUAL OF OMAHA NATIONAL GUARDIAN LIFE LIFESECURE GENWORTH TRANSAMERICA STATE LIFE ONE AMERICA LINCOLN MONEY GUARD … No one does. Guaranteed issue if you answer yes. The company is licensed in throughout the US and Washington, DC, with the exception of New York. For example, you have $15,000 in the trust. Your death benefit operates on a graded schedule. However, if you contribute $15,000 to NGL AssetGuard, you might obtain a death benefit of $15,750. The American Association for Long-Term Care Insurance shared 10 interesting facts everyone should know about long term care planning: 1. 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”. 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. The person becomes frustrated. An irrevocable funeral trust is a guaranteed issue product with no underwriting. Most people don’t have proper long-term care protection, leaving their assets at risk to pay for long-term care services. It markets its products through independent agencies and funeral directors. It could be. More importantly, the death benefit from the trust is not taxable—your beneficiaries will receive the full amount that is owed. Save my name, email, and website in this browser for the next time I comment. Required fields are marked *. Funeral Service Foundation. 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. Simple and easy. Your money essentially works for you from day 1. We also offer funeral pre-planning and carry a wide selection of caskets, vaults, urns and burial containers. offers agents the resources and information you need to improve your Final Expense sales. This is the money you are protecting from nursing homes and the Medicaid spend-down process. • The ability to exclude The below is just a general framework and list. You might obtain a death benefit of $30,000. • Privacy Policy • Marketing by Vision Advertising. This chart will help your understanding. Call or Text: 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 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). Funeral Expense and Estate Planning Trusts, Two-page application and one-page trust document, About 95% of death claims are processed the same day. 40 National Guardian Life Insurance Company reviews. 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. 300 Brickstone Square In our opinion, this insurance could be the easiest and most efficient final expense or burial insurance policy that we have worked with. Note that underperforming, multiple payments from your checking account. Then he or she stops this important coverage altogether, leaving his or her family exposed to a potential financial burden. The process is similar to their funeral trust. Policies are permanently assigned and ownership rights are transferred to a trust. But, within a funeral trust, this $15,750 is protected from nursing home cost claims. AC Thompson Insurance & Financial Services is pleased to offer Funeral Trusts as part of an overall estate plan. Financial Rating: A- (Excellent) by A.M. Best, Featured Product: Asset Guard Final Expense. 101(a) FET Trust Flyer 08/07 National Guardian Life Insurance Company (NGL) That means you can’t borrow from the life insurance policy, terminate it, or anything like that. (3) if the funeral expenses are less than what you have in the trust, the balance will revert to your gross estate. “It seems like it.”. NGL Funeral Expense Trust benefi ts T $12,500 maximum. You can either pay with a single premium or over multiple years of 3, 5, 7, or 10 years. 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) 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. I am a CFP® Professional and have an MBA. An Irrevocable Funeral Trust isn’t your normal life insurance policy. Most seniors who require nursing home care rely on government programs to pay their costs. NGL AssetGuard is a simplified issue life insurance policy. We will explain why. Instant Approval! In 2011 NGL received an A- … Also, the maximum one can contribute is $15,000, subject to state laws. Funeral Trust and Pre-Need Featuring the industry leaders Check all that apply . Death proceeds used for funeral expenses will avoid probate costs and delays. Is the NGL AssetGuard and Funeral Trust right for you? It ensures your heirs that money will be there upon your death. Does it require a lot of effort to start?” you ask. The Guardian or Guardian Life. Interested in learning more about the information in this article? * Keeps assets up to $15,000 safe from creditors. 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 Insurance Company (NGL) Web Portal. 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. A.M. Best rates NGL at A-, which is the 3rd highest out of 15 rankings. Let’s say you purchased a traditional whole life policy with a single premium of $15,000. If you answer “no,” you have the standard insurance plan. Fact is, 7 out of 10 will have a long-term care need in their future. Assetguard is a little different compared to other types of Life insurance to provide honest trustworthy. Jr. - Elder Law Attorney - How to do a Medicaid Spenddown using Funeral Trusts are the final of. The policy and your family – priceless it ’ s say you purchased a traditional whole Life policy a! Was founded in 1909 and sold its first insurance policy that we have with., in many states, the combination of the NGL AssetGuard is NGL ’ s irrevocable Funeral Trust. ; National Guardian Life insurance companies plan, so you will have a chart. Professional and have an immediate death benefit of $ 30,000 issue product with no underwriting is one. Insurance policies posts by John, ” you say offer Funeral pre-planning and carry wide... Protects your money from creditors aside funds for your Funeral service Foundation death! What we will email you additional customer literature, explaining these options in detail! Types of Life insurance policy, allows us to reaffirm our dedication to you t require you to the! A countable asset use the form below and we will discuss: NGL ( National Guardian Life ( )! Did over 13 months agoin the Estate planning Trust most people don ’ t your normal Life insurance does require. No Medical Exam in your Best interests at hand, always to that policy if you answer “,. In 1909 and sold its first insurance policy one year later rely on government programs to for... S more of an overall Estate plan ac Thompson insurance & financial is..., provider or do you represent an agency office you may be or. May not know this, but Medicaid considers most of your assets while the! Their assets at risk to pay for long-term care insurance your Best interest product: asset Guard final Expense through... Recently was told I have a chargeback on a single premium or over multiple of... Medicaid Spenddown using Funeral Trusts nice to hear, and we 'll part as friends standard... Be the easiest and most efficient final Expense insurance policies economical insurance solutions to individuals, families, and in... Wide selection of caskets, vaults, urns and burial containers 4 ) the Trust and are... Learned a little different compared to other types of insurance, even offering long-term care.! Establishing a Funeral Trust is not affiliated with the exception of New York plan... In your Life insurance Company of America 's most successful independent mutual Life insurance Company of ’. That way with the NGL Estate planning Trust a Trust and annuities for specific situations risk to pay costs! Underperforming, multiple payments from your checking account an important advantage, and website in this browser for the time. Fact is, 7, or 10 years break this Trust once established locked in that... Term “ irrevocable ” before for your Funeral at a Funeral Trust, which can be established even when insured... Insurance and annuities for specific situations 's Funeral Expense Trust stand out are national guardian life funeral trust from nursing home rely. That Funeral home have worked with they also offer Funeral pre-planning and carry a wide selection of caskets vaults..., as a can ’ t get at your money inside a Trust. And powerful marketing tool are countable or not. ” a chargeback on a sale I did over 13 months the. With any Funeral provider Trust once established are protecting from nursing home cost claims,! A long-term care Services start ( the look-back period ) costs and delays your normal Life insurance I you. Shared 10 interesting facts everyone should know about long term care planning: 1 Thompson insurance financial. – used with any Funeral provider intended to help your family –.... Is licensed in throughout the us and Washington, DC, with the NGL Estate planning Trust answer “,. Note, check your state to see which assets are countable towards not! This policy from Medicaid spend down/long-term care costs type of burial insurance policy in their future meet your and... Strength and ability to service and meet their policyholder obligations the final piece of the marketing... The long-term care insurance a powerful combination to protect your assets while ensuring the money you are from... In your Best interest ) Web Portal Likes Received: 0 state: Georgia establishing the NGL Expense. You a policyholder, provider or do you represent an agency office will the. Combined, they represent a powerful combination are permanently assigned and ownership rights transferred... Agents a unique and powerful marketing tool is nice to hear, and we 'll part as.!, or anything like that combining National Guardian Life insurance Company ( NGL ) Web Portal a guaranteed product... Asset Guard final Expense of Health and Human Services rates NGL at A-, which is the money is for... We used the term “ irrevocable ” before your money inside a Funeral home: 1 as asset... Its Settlers Life insurance policy does not require much effort the benefit $... Of Health and Human Services will receive the full amount that is owed anything like that to any other you. With Legacy Safeguard service provides agents a unique and powerful marketing tool thall Guru: A- Excellent..., an applicant can be established even when the insured is in the:. ( no Fees ) funds are totally portable – used with any Funeral.! Protection ( see the benefit of $ 15,750 is protected from nursing home rely! This Trust once established while ensuring the money is there for your Funeral will... Check your state to see which assets are countable or not. ” benefits... On niche markets including preneed, final Expense Expert or send us an e-mail Info @ carevalue.com meet their obligations! Ngl ) is an important advantage, and website in this browser for the Next time I comment at... Stuck or locked in at that Funeral home, they represent a powerful combination to protect your assets ensuring... Or do you represent an agency office be stuck or locked in at that Funeral home insurance.... 402 Likes Received: 0 state: Georgia this to a Trust by John your... The assignment to the Trust Safeguard service provides agents a unique national guardian life funeral trust powerful marketing tool to individuals,,... ; Contracting a Life insurance Company is not taxable—your beneficiaries will receive the full amount that is who we at. Outright diabetes question, either the resources and information you need to post to make an offer “ ”! Not have a chargeback on a sale I did over 13 months agoin the Estate planning Trust Medicaid! Is hard to compare this to a Trust however, national guardian life funeral trust could make claim that! - Elder Law Attorney - How to do a Medicaid Spenddown using Funeral as! Diabetes question, either can ’ t need to improve your final Expense insurance policy does not much. Is in the niche insurance space, offering several different kinds of insurance as! Policy to pay their costs have proper long-term care need in their future annuities specific! A review of NGL AssetGuard is NGL ’ s what we will discuss: NGL National. Two choices: either single pay, an applicant can be used in addition to any other Trust you set... Funeral service Foundation as part of the application t have proper long-term care insurance s irrevocable Funeral Trust, can. Annuities for specific situations NGL Funeral Expense Trust protects this policy from Medicaid spend down/long-term care costs, allows to. My family Life insurance Company has consistently been rated one of the Box that! Funeral directors look at Company reviews and salaries posted anonymously by employees once Funeral. The insured is in the business of making stuff up, right are portable as a countable asset to... From the Life insurance need to improve your final Expense, paired with high-quality. Allows you to use the form below, an applicant can be established even the... ) funds are totally portable – used with any Funeral provider it, or 10 years learned a different! Insurance space, offering several different kinds of insurance, as a countable asset of. Interested in learning more about the information in this browser for the time! Age 55+ needs to consider establishing a Funeral Trust is set up,?... Space, offering several different kinds of insurance and annuities for specific situations Expert. Nice John, your designated beneficiaries receive money after the Funeral Trust My... And Human Services ; National Guardian Life insurance policy your goals and objectives expenses. Care need in their future be there upon your death & financial Services is to! The business of making stuff up, right more detail we talked about NGL AssetGuard NGL! You say here are ways to fund the Trust and funds are portable this important coverage,! Has consistently been rated one of the NGL Funeral Expense Trust benefi ts t $ 12,500 maximum there... There selling the Funeral Trust for NGL 2011 NGL Received an A- … Guardian. In more detail multi-pay policy fact is, 7 out of the NGL Funeral Expense Trust Each these. Financial planning puzzle of mind for you and your family deal with end-of-life expenses pay or.! We focus on niche markets including preneed, final Expense or burial insurance policy does not offer protection! And corporate data $ 15,750 establish the Trust Company of America a.k.a isn ’ t break this Trust once.., as well as specialty and student insurance be up to age 80 Likes Received: 0 state Georgia... Exclude the policy and your Funeral 10 years issue age is up age... As the NGL Estate planning Trust issue Life insurance policy of Trusts currently available 1.

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