• Life has many curves,
    Are Your Clients
    Prepared for Them?

    Life has many curves,
    Are Your Clients
    Prepared for Them?

  • More than "just an insurance policy"

    More than "just an insurance policy"

    A Comprehensive Legacy Plan

    A Comprehensive Legacy Plan

A Unique Insurance Product:
Including Multiple Estate Planning Options for Asset Protection:

  • Guaranteed Issue Life Insurance

    As much as $100,000 per person, up to age 99* regardless of current health!

    *Age 99 for single pay policies, 80-90 for multi-pay options. Some state restrictions apply.

  • Irrevocable Trust (included)

    Immediately protect up to $15,000 from Medicaid spend-down, and up to $100,000 from all other creditors (including Medicaid after 5 years).

  • Revocable Living Trust**

    A customizable, attorney drafted, revocable living trust. Maintain control over your assets, during your life, and when, where, & how they are distributed.
    **Optional, Additional Cost

How it works:
Asset Guard


How it works:
Asset Guard With Revocable Living Trust

Make Sure Your Legacy Is Protected

Did You Know?

"Immortality is to live your life
doing good things,
and leaving your mark behind."

—Brandon Lee

Why
American
Legacy
Assurance?

ALA is the ultimate life insurance & estate planning package. Protect your assets, your family's privacy, and ensure your legacy is protected regardless of what the future might hold..
One of the best benefits of an American Legacy Assurance Policy is that policy value growth is not taxable. Plus, the death benefit paid to your beneficiary is completely inheritance tax-free! You also completely control who gets the benefit … your favorite daughter, a special needs child, your church, anyone you choose!
Life insurance is meant to help your loved ones if tragedy strikes, but did you know creditors could go after it too? John was at fault in a serious car accident, now he is being sued by other drivers, insurance companies, and creditors due to lost work. However, because he purchased an ALA policy with an irrevocable trust; his life insurance is safe and cannot be touched.
A regular life insurance policy just allows you to say who is the beneficiary, but the ALA plan comes with a revocable living trust. This allows you to control when, and how your heirs receive your all your assets including your life insurance.
Mike is a 65 year old non-smoker in good health with $43,000 in a safety deposit box. He plans to leave this money to his grandson upon his death. If Mike purchases an ALA policy, his grandson would receive $53,056* in life insurance. A gain of over $10,000! The money is safe and secure, and there are no tax worries either. (*Standard policy, option F)

With Optional Revocable Living Trust

Avoid
Probate

Your ALA Revocable Living Trust can save your family thousands in probate court costs and other legal fees, and optimize tax savings.

Protect
Privacy

A simple Will leaves you exposed. every asset a public record in probate. Your ALA Trust will keep everything private and under your control.

Features for Life Insurance Agents

Quick Sales, Rapid Processing,
Expedited Payment

Sales are quick with a simple, single page application and NO Underwriting!

Rapid processing of policies, issued within 24-48 hours, (and commissions direct deposited the same day!)

Eliminate stress for families and loved ones. Claims paid in 24-48 hours! No waiting for death certificates, funeral homes paid directly and excess funds paid to the trust or beneficiaries. In your client's time of greatest stress and need, the ALA plan will be there to help, no waiting.

Generous Commissions, Paid FAST!

American Legacy Assurance is a one-of-a-kind program with no competition and generous commissions schedules.

Commissions over 25% of premiums paid possible! (Commissions vary based on policy type, age and other factors.)

No more waiting to get paid, we are agents too, so we always pay commissions quickly. Average application is issued in 24-48 hours, and commissions direct deposited the same day!

Dedicated Support To Our Agents

  • Exclusive product support from a dedicated Life Product Support team.
  • Secure agent website with 24/7 access to policy information, reports, product and marketing information
  • High-quality marketing materials, including brochures, fliers, consumer education presentations and more to help you educate your clients
  • Multiple premium rate calculation options available, including mobile
  • Fax or upload applications online with average two business day turnaround time
  • Communications from ABH & NGL to keep you up-to-date with state requirements

Over A Century of Service

National Guardian Life Insurance Company (NGL) is one of America's most successful, independent mutual life insurance companies.

Since 1910, NGL has been committed to guiding our customers as they plan for their financial future. As one of America's most successful, independent mutual life insurance companies, NGL is licensed to do business in 49 states and the District of Columbia.

NGL is consecutively rated A- (Excellent) from A.M. Best Company, the world's oldest and most authoritative insurance rating information source. The A- rating further attests to our financial strength and ability to meet our policyholder obligations.

Innovative Products

Life insurance companies essentially offer the same products. The American Legacy Assurance (ALA) insurance program is an innovative and forward thinking way to protect and guard an individual or family’s financial legacy. Unlike traditional insurance, ALA not only provides the necessary funds to cover end of life, but it also empowers the owner to decide who receives what and when the distribution is to take place.

ALA was developed exclusively for American Benefit Holdings (ABH) by National Guardian Life Insurance Company (NGL). ABH is a 21st Century Technology Company serving the needs of the American public with estate planning and lifestyle enrichment benefits.

Leaving A Lasting Legacy is Key

ALA is more than “just an insurance policy”. ALA is a comprehensive insurance program that enables the owner to demonstrate to their family the importance and value of financial and life planning. While leaving a protected monetary legacy (life insurance) is an important feature of ALA, of equal importance is the opportunity ALA provides the owner to control who gets what, when and how with the irrevocable and revocacable trusts included.

You Have The Power to Control Your Legacy