Helping you plan for tomorrow today

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Base Policy Death Benefit

With Dividends Purchasing

Paid-Up Additions* —

$500,000 Base Policy

Male Age 35, Best Class -

$6,658 Annual Premium

 

 

 

 

 

 

  PUA Death Benefit

 

 

  Base Policy Guarantee Death Benefit

 

 

 

 

 

 

 

 

Policy Benefits - Whole Life

With Dividends Purchasing

Paid-Up Additions —

$500,000 Base Policy

Male Age 35, Best Class -

$6,658 Annual Premium*

 

 

 

 

 

 

  PUA Net Amount At Risk

 

 

  PUA Cash Value

 

 

  Base Policy Net Amount At Risk

 

 

  Base Guarantee Cash Value

 

  
 

 

 

 * Based on Guardian’s 2009 dividend scale. Dividends are not guaranteed. They may be declared annually by Guardian’s Board of Directors. Guardian has paid a policy holder a dividend every year since 1865.

 

 

Taxation Protection

Because of the Contribution that life insurance makes to the welfare of society by providing for surviving family members, it is currently granted with the following significant tax benefits:

  • Income tax-free death benefits.
  • Tax-deferred build-up of cash values inside of the life policy.
  • Access to policy values on a tax-favored basis.

  

  • The cash values of life insurance policies may generally be accessed on a tax-favored basis by the withdrawal of dividends or through policy loans.
  • Withdrawal of dividends from a life insurance policy is permitted on a First-In First-Out Basis (FIFO). This means that the first dividends paid out to the policy owner are considered a return of cost basis.2
  • All of a policy’s cash value may be borrowed from a policy without triggering of income tax on any gain that has been borrowed from the policy.

2 Cost basis  is the contribution that is made in a life insurance policy. The formula for cost basis is the aggregate amount of premium paid on a base contract and permanent benefits under the contract, or other consideration paid for the contract minus the aggregate amount received under the contract; to the extent such amount was excluded from gross income.
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Robinson Insurance Services - 3125 Akahi St., Lihue HI 96766 - Office (808) 246-4448 - Fax (808) 246-4443 - Cell (808) 634-1063