Whole life insurance is a product people
buy when the benefit has to be there...

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What are the differences between term & whole life insurance?

There are so many types of policies available today from many different carriers. This article will compare the two types, and help you make the right decision for you and your family.

There are many reasons people decide to purchase a whole life insurance policy instead of term, universal, or variable policies. A whole life insurance policy offers cash value, has the ability to pay a dividend, and may pay the policy premiums internally provided there are enough dividends and paid up additions in the policy. However, the number one reason people tend to buy this type of insurance is because they want a death benefit to be paid without having to concern themselves with when...


The information on this site is intended for the residents of the United States. The financial representatives of Financial Balance Group, LLC are licensed to sell insurance in all 50 states. To find out if a specific agent is licensed in your state, please contact Jennifer Finn at 888-513-2300.
Guardian, its subsidiaries, agents or employees do not give legal or tax advice. You should consult your legal or tax advisor regarding your individual situation.
Dividends are not guaranteed. They are declared annually by Guardian's Board of Directors.
Financial information concerning The Guardian Life Insurance Company of America as of 12/31/10 on a statutory basis: Admitted Assets = $33.1 Billion; Liabilities = $28.7 Billion (including $25.1 Billion of Reserves); and Surplus = $4.4 Billion.

The information or opinions contained in this internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.

Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. Financial Balance Group, LLC is a general agency of The Guardian Life Insurance Company of America, New York, NY. The financial representatives of Financial Balance Group, LLC are licensed to sell insurance in all 50 states. The information on this site is intended for the residents of The United States. To find out if an agent is licensed in your state, please contact Steve Crawford at 240-683-9700.

Registered Representative of and offers securities products and services through Park Avenue Securities LLC (PAS), 1355 Piccard Drive, Suite 380 Rockville, MD 20850, (240) 683-9700. PAS is an indirect, wholly owned subsidiary of Guardian. Financial Balance Group, LLC is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.
The Registered Representative is securities licensed in DC, DE, FL (D058455), MD, VA, WV. This material is strictly intended for residents of these states only. No offers may be made or accepted from any resident outside these specified states.