NGL’s AssestGuard fixed-rate product, when combined with a Funeral Trust option, offers an increasing death benefit and provides a secure financial protection option for final expense.


NGL currently offers two trust options – one for possible immediate Medicaid qualification and a second option to allow higher face amounts to be issued – up to $100,000. Using these funeral expense trusts, you can add significantly more value to your clients. While states do vary, many of them recognize the trusts as viable exemptions.


  • Single pay and multi-pay options

  • Simplified issue with limited health questions

  • Guaranteed issue option

  • Face amounts to $100,000

  • Trust options available

  • Convenient credit card premium-paying option

  • EFT payments of  commissions paid daily, weekly or bi-weekly

  • Producer website with 24/7 access to policy information, commissions, production reports, product information and more.

  • The backing of a conservative, mutual life insurance company with a history of financial strength and stability










*Medicaid planning is subject to state rules and regulations and federal look-back periods.
Consult with an elder law attorney. Products and trust limits may vary by state.