Guarded Term
Straightforward protection for the mortgage-and-school-run years, with level premiums for the full term.
- 10, 20, or 30-year level terms
- Coverage from $100K to $2M
- Option to convert to whole life later
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Est. legacy protection · Advisors since day one
Protection your family will feel, long after the paperwork is filed.
FamilyGuard Life pairs traditional life insurance with a personal advisor who knows your name, your goals, and your policy — so the cover you choose today reads exactly the same on the day it matters.
No obligation. A licensed advisor reviews every quote personally.
1:1Dedicated advisor per household
3Plain-language plan families
$0Cost to get a personal quote
50 statesLicensed advisor network
Coverage, the traditional way
Three plans. No fine-print theatrics.
Every FamilyGuard policy is explained line by line by your advisor before you apply.
Heritage Whole Life
Lifelong cover that builds cash value quietly in the background — a policy your grandchildren may thank you for.
- Coverage that never expires
- Fixed premiums, guaranteed cash value growth
- Dividends eligible on participating policies
Final Expense
A smaller, simpler policy designed to lift funeral costs and last bills off your family's shoulders.
- Simplified application for ages 50–85
- Benefit amounts from $5K to $50K
- Rates locked in at issue
Honest numbers first
What families like yours often pay
These illustrative starting rates show typical pricing for healthy applicants. Your actual premium depends on age, health, coverage amount, and underwriting — your advisor will quote your exact figure by phone, with nothing hidden in a footnote.
Call (866) 555-0312Illustrative monthly rates
Female, 35, non-smoker · 20-yr term, $500Kfrom $24/mo
Male, 40, non-smoker · 20-yr term, $500Kfrom $33/mo
Female, 50, non-smoker · Whole life, $100Kfrom $138/mo
Male, 62 · Final expense, $15Kfrom $71/mo
Sample figures for illustration only; not an offer of coverage. Final rates are set at underwriting.
The FamilyGuard difference
Old-fashioned service, deliberately kept
A Named Advisor, Not a Call Queue
You are assigned one licensed advisor who learns your situation and stays with your file — the same voice every time you call.
Terms That Never Surprise
Plain-language policy summaries, premiums stated up front, and every exclusion explained before you sign — not after.
Claims Handled Like Family
When a claim comes, your advisor walks your beneficiaries through it personally. Most complete claims are paid within days of approval.
Straight answers
Questions families ask us
It depends on the policy and amount. Many term and final expense policies can be issued with a simple health questionnaire; larger amounts may require a paramedical exam. Your advisor will tell you exactly what applies before you commit to anything.
Leave your family certainty, not questions.
Speak with a licensed FamilyGuard advisor today. No pressure, no scripts — just a clear quote and terms you can read over Sunday dinner.