Estate Protection Plans

Protect your wealth with an asset transfer trust.

Preserve Your Financial Legacy AND Provide Peace of Mind.

Are you looking for another financial option to protect your wealth and allow you to pass it on to the next generation?

It is possible to easily do this and also to have your funeral expenses taken care of by combining a National Guardian Life Insurance Company (NGL) life insurance policy with the Estate Planning Trust.

Availability

Keep your assets safe from creditors and quickly available for the people you want to provide for – your family or your favorite charity.  Plus, provide funds for your funeral expenses.

Ease of Use

The NGL Estate Planning Trust is simple to use and is free (no fees) and it can be used in addition to any other trust you may have.

A Program for Everyone

Your advisor has a plan that will fit your financial goals as well as your needs in terms of payment options and health condition.

Use Existing Money

Use money that you already have by re-allocating, either from a low performing Certificate of Deposit (CD) or Money Market Fund. Many people also use the cash value of a fully paid-up life insurance policy through a process called a 1035 exchange into a NGL policy which then goes into the trust.

Make Tax Time Easier

By transferring monies from an investment such as a CD or a Money Market Fund, you won’t have to worry about taxation on growth or annual 1099 forms.

Fund Value Increases Over Time

Setting aside funds in advance into a NGL life insurance policy provides future growth, yielding even more dollars than were originally placed in the trust, plus all increases in value and all funds are paid out income tax-free.

Flexibility

Funds for funeral expenses are totally portable and can be used with any funeral provider, plus all funds are exempt from probate and available immediately to your beneficiaries. Up to $100,000 can be placed in the NGL Estate Planning Trust.

Protect Your Loved Ones

By setting aside funds in the trust, you avoid placing a financial burden on loved ones for your funeral expenses, plus quickly provide a financial legacy for those persons or causes you care deeply about.

Peace of Mind

Use money that you already have by re-allocating, either from a low performing Certificate of Deposit (CD) or Money Market Fund. Many people also use the cash value of a fully paid-up life insurance policy through a process called a 1035 exchange into a NGL policy which then goes into the trust.

Make Tax Time Easier

Financial professionals agree this is an effective way to transfer assets to your beneficiaries and provide for final expenses.

Take the next step with your financial plan – Call your planning professional today!

or call

(715) 571-4160

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Brochure - Preserve Your Financial Legacy and Provide Peace of Mind Brochure - Secure Your Funds Today and Benefit Your Family Tomorrow

Did you know that your whole life insurance policy from Settlers Life Insurance Company can offer added protection when assigned to a trust?

Depending on your financial needs and plans, Settlers Life policies can be assigned to the NGL Funeral Expense Trust (FET) or the NGL Estate Planning Trust (EPT). The NGL FET can secure your policy funds to ensure your final expenses are covered. The policy in the trust is protected from all creditors and may also be considered an excluded asset in order to qualify for Medicaid and Supplemental Security Income (SSI).* For those looking for an easy way to transfer assets, the NGL EPT may be of benefit. The policy funds in the NGL EPT are exempt from probate, and funds remaining after your final expenses are paid are available immediately to your beneficiaries. The NGL Trusts are not available in all states. Terms and conditions may apply. See your independent agent for more details.

*We recommend you contact a legal and/or tax advisor for complete details on irrevocable assignments, Medicaid eligibility and using a trust to protect your assets, including a life insurance policy. If you are assigning ownership to the NGL trust and apply for public assistance, you may be required to provide a list of services and merchandise you have selected from the funeral home of your choice.