NGL’s primary objective is to provide quality products and services. We think you will agree that the NGL Insurance Group provides excellent products along with the security your clients deserve.
Quality of Investments
NGL’s investment philosophy is simple — safety and security for policyholders is their number one concern. Therefore, NGL’s investment portfolio is focused on long-term success.
Over 95% of bond holdings are rated in the highest quality categories. The NGL Insurance Group does not purchase "junk" or speculative bonds for their investment portfolios.
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NGL’s mortgage portfolio is one of the best performing portfolios in the industry.
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All policyholder loans are fully secured by policy cash values.
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Exposure to the equity market through common stock is maintained at a prudent level.
Quality of Reserves
The members of the NGL Insurance Group establish reserves to ensure that enough money is available to pay current and future benefits. Minimum reserve requirements are set by state law to ensure that funds will be available to meet all future obligations to policyholders.
Policy Reserves & Contract Liabilities are in excess of the legal requirements. This provides an extra cushion of protection for the safety of policyholders.
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Statutory Capital significantly exceeds regulatory requirements. This provides policyholders with added security that their funds are safe and benefits will be paid when due.
A Company You Can Depend On
For over 90 years, the National Guardian Life Insurance Company has been dedicated to the highest standards of quality and integrity. This is why we have always maintained a conservative investment philosophy, allowing us to offer you quality products that are among the safest in the industry.
*All figures are derived from consolidated GAAP results as of 12/31/04. |
