Strategies

Life Insurance

• Whole Life — Access to the top 250 highly rated companies
• Universal Life — Access to multiple product lines
• Term Life — Graded or level premium
• Survivorship Life — Noncancellable and Guaranteed Premiums
• Variable Life *

Disability Insurance

• Individual — Own occupation definitions for disability
• Multi Life
• Overhead Expense — Level premiums
• Business Disability Buy-Out Insurance — Noncancellable and Guaranteed Premiums
• Retirement Protection Plus
• Business Reducing Term

Employer Group Benefits

• Health — Our servicing companies specialize in Eastern Pennsylvania and Southern New Jersey
• Dental
• Life
• Retirement and Pension Planning

Investment Services**

• Brokerage Accounts* — Access to over 500 Load and No-Load funds
• Load and No-Load Mutual Funds*
• Unit Investment Trusts*
• Certificates of Deposit*
• Margin Accounts*
• Option Accounts*
• Managed Account Programs**
• Annuities
• — Variable* — Fixed — Equity Indexed*

Independence Planning Group is committed to providing the most comprehensive financial strategies for you, your family and your business.

* Neither Guardian nor its subsidiaries issue Major Medical Insurance products or services.