Harbor Advantage is pleased to represent the following carriers:
Offers a traditional final expense policy that issues ages 0-85.
You can also offer the Legacy Safeguard* program with these policies at no cost to your clients.
National Guardian Life (NGL)
Offers a true Medicaid friendly funeral expense trust.
The face amount of these policies grows at a simple interest rate up to
3% with death benefits ranging from $500 to $50,000.
These policies issue standard or guaranteed issue through age
99. All NGL policies come with
the Legacy Safeguard* program at no cost
to your clients.
National Western Life
Offers both fixed and indexed annuities with some products offering up
to 50% liquidity. They also have a
fixed product available through age 90. On the life side, they have a wealth
transfer product that sits on a Universal Life framework with a unique feature
being the Accelerated Benefits Rider; the policy can be used to pay for
long-term care or it can be converted into an annuity & turned into an
North American Annuity
Offers a full line of fixed, indexed and multi-year guarantee annuities with
a bonus product that pays 10% on all
premiums submitted during the first 7 years of the contract.
This is a true bonus product with no vesting period on the bonus.
They also offer one of the most competitive income riders in the industry
with guaranteed growth of either 6% or 8% compounding interest.
North American Life
Offers a full line of traditional Universal Life and Indexed Universal Life
products, including an indexed survivorship life product.
All of their UL, IUL & SIULs come with the Chronic Illness Benefit
Rider for clients 75 or younger and table 4 or better at issue.
This rider allows the client to accelerate the death benefit to cover
costs of long-term care. It has no
fee unless utilized.
Offers annuity products with income riders that can be started during the first
contract year and bonus products that issue through age 85.
Offers some of the most client friendly annuities on the market with growing
liquidity up to 50%. They also have
a bonus product that issues through age 85 and the non-bonus product issues
through age 90.
Safeguard is an exclusive program offered through Monumental and NGL.
It is a program that provides many services associated with the planning
of ones final legacy.