Business Details
36 Years
experience
Insurance Brokerage Services for Financial Planners
National Guardian Life Insurance was founded in 1990 as a privately owned brokerage firm serving financial planners across the United States. As a member of the Crossroads Financial Group, we prioritize delivering value-added services and consumer-oriented products to our associates. Our operational model emphasizes thin margins to enhance compensation for partners while providing innovative tools like 24/7 admin system access, mobile apps for instant quotes, and paperless submission platforms. We specialize in life insurance, annuities, long-term care, and disability income plans with non-medical underwriting options up to $2 million. Our team maintains relationships with carriers offering niche underwriting advantages, including favorable rates for tobacco users. Through monthly newsletters and industry partnerships like National Brokerage Agencies, Inc., we ensure associates stay informed about evolving products and market opportunities.Our technology platforms, such as Winflex Web for carrier-specific illustrations, streamline the quoting and application process. We support agents with dedicated case managers, impaired risk underwriting tools, and strategic alliances to optimize client outcomes. Our dual office locations in Green Bay, WI, and Indiana provide personalized support for product questions, contract administration, and inforce customer service. With decades of experience and a commitment to transparency, we empower financial professionals to deliver tailored solutions to their clients.
Services
Life Insurance Plans
Annuity Solutions
Long-Term Care Insurance
Disability Income Plans
Life Settlement Services
International Travel Insurance
Details
- Year established: 1990
Highlights and features
- We offer non-medical underwriting up to $2 million for qualified applicants
- Our 24/7 admin system access streamlines policy management
- Mobile apps enable instant term, GUL, and LTC quotes
- We provide specialized life/LTC hybrid products with guaranteed benefits
- Our strategic carrier partnerships deliver niche underwriting advantages
Associations and certifications
- National Brokerage Agencies, Inc. (NBA)
Services
Non-Medical Life Insurance
Our non-medical life insurance options provide coverage up to $2 million for applicants under 45 and $1 million for those under 55. These policies eliminate the need for medical exams or lab work, enabling faster approval through no-contact underwriting. Coverage amounts and eligibility vary by carrier guidelines.
Life/LTC Hybrid Plans
These innovative products combine life insurance with long-term care benefits, offering guaranteed rates and benefits from policy inception. Options include single-pay, short-pay, and level-pay structures with benefit periods ranging from 25 months to lifetime coverage. Spouses can be covered under a single policy.
Annuity Solutions
We offer multi-year guaranteed annuities, indexed annuities, and single premium immediate annuities with competitive rates updated daily. Our tools help financial planners design income strategies that balance principal access with guaranteed lifetime income through income riders and SPIA comparisons.
Life Settlement Services
We facilitate life settlements for policyholders aged 65+ or with life expectancy under 15 years. This option provides cash payouts for unwanted policies through competitive bidding among buyers, often exceeding surrender values for permanent policies or conversion options for term plans.
International Travel Insurance
Our travel medical insurance programs protect clients abroad with short-term and long-term options. The GlobeHopper Senior plan serves ages 65+, while trip protection programs offer year-round marketing opportunities. Online tools enable instant policy purchases with customized producer links.
Questions
What is non-medical underwriting?
Non-medical underwriting provides coverage up to $2 million without exams or labs for qualified applicants under 45 through carrier-specific guidelines.
Do you offer life insurance for seniors?
Yes, we provide final expense plans with simplified underwriting and life settlements for seniors seeking alternatives to policy lapsation.
How do hybrid life/LTC plans work?
These plans guarantee either leveraged LTC benefits, enhanced death benefits, or surrender values, ensuring value retention regardless of claim status.
What annuity options are available?
We offer MYGAs, indexed annuities, and SPIAs with daily rate updates to help clients achieve income security and growth objectives.
Can I get travel insurance for international clients?
Yes, our partnership with International Medical Group provides customizable travel medical insurance programs for global coverage needs.
