The Guardian Life Insurance Company of America is taking Whole Life insurance to a new level with the introduction of the Index Participation Feature (IPF). This patent-pending feature allows Whole Life policyholders to link a portion of their cash value to the performance of the S&P 500 Price Return Index, subject to a cap and floor; a feature that no other Whole Life insurance carrier offers in the market today.

With the IPF, policyholders can allocate a portion of their paid-up additions’ cash value, choosing an allocation from zero to 100 percent.

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