Our Portfolio

Life Insurance

Permanent Insurance

Permanent life insurance comes in different forms to meet a variety of needs.

  • Whole Life Insurance usually has premiums that remain fixed for the life of the policy. Whole life insurance also builds a savings element, since part of the premium is used to accumulate a guaranteed cash value. Dividends, which are not guaranteed, may also increase the policy cash value.
  • Universal Life Insurance is a variation of permanent life insurance that offers flexible premiums and the choice of either a level or increasing death benefit. As in Whole Life, cash value builds within the policy. While there are guarantees built into the policy, the cash value is based on the performance of the company and on how much premium is paid.
  • Variable Whole Life Insurance is a form of permanent life insurance under which the death benefit and the cash value of the policy fluctuate according to the investment performance of the variable investment options selected by the policy owner. With variable life insurance, you get to decide where to invest your money among the multiple investment accounts. Many variable life insurance policies guarantee that the death benefit will not fall below a specified minimum if the required premiums are paid, but a minimum cash value is not usually guaranteed.
  • Variable Universal Life Insurance is a form of variable life insurance that combines the premium and death benefit flexibility of universal life insurance with the investment flexibility and risk of variable life insurance. It is important to note that in both variable whole life and variable universal life, the insured bears the investment risk within the policy.

Securities products and services are offered through Park Avenue Securities LLC (PAS) 244 Boulevard of the Allies, Pittsburgh PA 15222 1.412.391.6700. PAS is an indirect wholly-owned stock subsidiary of Guardian. Neither Lifetime Financial Growth, LLC. nor Luttner Financial Group Ltd. are affiliates or subsidiaries of PAS or Guardian.

 

PAS is a member FINRA, SIPC.

 

The Information on this site is intended for the residents of Pennsylvania, Ohio, West Virginia, and Maryland. The financial representatives of Lifetime Financial Growth are not licensed to sell securities in all 50 states. To find out if an agent is licensed in your state, please contact Darlene Lucas at 412-391-6700.

 

We are licensed to sell Insurance in the following states: Pennsylvania,Indiana, West Virginia and Ohio.

 

Guardian, its subsidiaries, agents or employees do not give tax or legal advice. The Living Balance Sheet® and logo is a registered trademark of The Guardian Life Insurance Company of America (Guardian), New York, NY. Patent pending. The trademark The Living Balance Sheet and the content and graphics in this website which relate or refer to The Living Balance Sheet system are used under license from Guardian.

 

Guardian does not offer Property & Casualty and Individual Health nor do we provide services for them. Disability income and long term care insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Product provisions and features may vary by state.

 

Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

 

This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.