Get DI Quote
DI Product List
Get Life Quote
Life Product List
Get LTC Quote
Competition
Agency Contacts
Driving Directions
Register
"ESP" - EXPANDED STANDARD PROGRAM

Exciting underwriting news from GUARDIAN!
  • Your rated Non-Smoker policy can now be issued Preferred
  • Your rated Smoker policy can now be issued Standard
Requirements
  • The policy would normally be rated Table 4 or less OR
  • The policy would normally be rated $5.00 per thousand or less (for medical impairments only)
  • Single life permanent insurance plans only (including Term blends)
  • Maximum issue age 65
  • U.S. or Canadian citizen
  • Maximum face amount: $5 million

Any policy that does not qualify for this new ESP will be shopped to Guardian’s reinsurers in the normal manner.

When you are faced with a policy that is likely to be rated, this will give you an expanded ability to place Guardian insurance.

Go To Life Insurance Product List
site
feedback		 FOSTER KLIMA & COMPANY, LLC
Minneapolis: (612) 746-2200   /   Fargo: (701) 293-6379   /   Rochester: (507) 289-0999
 		send us
an e-mail