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GUARDIAN'S TRADITIONAL LIFE FOUNDATIONS |
| Portfolio Interest Rate Method |
- Shared results of common investment portfolio
- Dividends based on the same dividend interest rate for all policies on Direct Recognition
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| Direct Recognition |
- Most equitable way to share investment performance
- Higher dividends on non-loaned policies.
- No subsidies between `borrowers' and `non-borrowers', making Guardian's 2002 non-loaned dividend interest rate of 8.00% possible
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| Modified Loan Interest Rate |
- Fixed loan interest rate reduces from 8% to 5% at the later of 20 years or age 65
- May allow for greater policy distributions after reduction
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Return To Life Product List
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