Complete Family Protection
Five pillars of financial protection — life insurance, income shield, retirement, debt protection, and estate planning — built around your family's specific needs.
Life Coverage
Protect your family's future if you're no longer here.
Life insurance is the foundation of any family protection plan. Whether you need affordable term coverage or a policy that builds tax-free cash value over time, Grace & Guard will help you find the right fit.
Coverage from $50,000 to $5 million+
No medical exam options available
Policies from multiple top-rated carriers
Review your existing coverage for gaps
Term Life Insurance
Pure, affordable protection for a set period (10, 20, or 30 years). Ideal if you need maximum coverage at the lowest monthly cost.
Whole Life Insurance
Permanent coverage that builds guaranteed cash value over time. Your premium never changes, and the policy never expires.
Indexed Universal Life (IUL)
Flexible permanent coverage with growth potential tied to a market index — without direct market risk. A powerful wealth-building tool.
Final Expense Insurance
Simplified-issue coverage designed to cover burial, medical, and end-of-life costs without burdening your family.
Income Shield
Your paycheck — protected, even if you can't work.
Your ability to earn income is your most valuable asset. If a disability, illness, or injury stops you from working, Income Shield products ensure your family keeps the lights on.
1 in 4 workers will become disabled before retirement
Employer disability coverage often ends when you leave
Own-occupation policies pay if you can't do YOUR job
Benefits can start in as little as 14 days
Short-Term Disability Insurance
Replaces a portion of your income for weeks to months when you can't work due to illness or injury.
Long-Term Disability Insurance
Own-occupation coverage that pays benefits for years — or until retirement — if you're permanently unable to work.
Mortgage Protection Insurance
Ensures your home loan is paid if you become disabled or pass away, keeping your family in their home.
Retirement Readiness
Build wealth that works for you — tax-efficiently.
A comfortable retirement doesn't happen by accident. Whether you're just starting out or approaching your retirement date, Grace & Guard helps you build a strategy that matches your goals and timeline.
Tax-efficient strategies for any income level
Access to multiple annuity carriers
Roth conversion planning
Social Security optimization strategies
Fixed & Indexed Annuities
Guaranteed income you can't outlive. Annuities turn your savings into a predictable monthly paycheck in retirement.
IUL as a Retirement Vehicle
Build a tax-free retirement income stream using an Indexed Universal Life policy — no RMDs, no market losses.
Retirement Review & Gap Analysis
Comprehensive review of your current accounts, contribution rates, and projected retirement income vs. your actual needs.
Debt Protection
Don't leave your family with your debt.
Debt doesn't disappear when you do. From mortgage balances to consumer debt, Grace & Guard helps ensure your family won't be burdened financially if something happens to you.
43% of Americans die with outstanding debt
Mortgage protection is separate from homeowner's insurance
Credit card debt can pass to co-signers
A plan can eliminate most debt risk for under $50/month
Mortgage Protection
Dedicated coverage that pays off your mortgage balance — keeping your family in the home you built together.
Debt Payoff Life Coverage
Structured life insurance designed to cover outstanding debts so your spouse or children inherit assets, not liabilities.
Debt Reduction Strategy
Guidance on prioritizing debt payoff while simultaneously building protection — without sacrificing financial security.
Estate Planning
Make sure your wishes are honored. Your family is protected.
Estate planning isn't just for the wealthy — it's for anyone who wants to choose what happens to their assets, their children, and their medical decisions. Grace & Guard helps you put the right documents in place.
67% of Americans have no will or estate plan
Without a will, the state decides what happens to your assets
Beneficiary designations override your will
POA expires at death — it's not a will substitute
Will & Trust Referral Network
We partner with trusted estate planning attorneys to help you get a will or trust in place quickly and affordably.
Beneficiary Review
Audit of all your accounts — life insurance, 401(k), IRA, bank — to ensure beneficiaries are current and aligned with your wishes.
Power of Attorney Guidance
Connecting you with professionals to establish medical and financial POA before you ever need it.
Policy & Document Organization
We help you create a "Family Protection Binder" so your loved ones know exactly what you have and where to find it.
Also Offering Medicare Plans
Turning 65 or reviewing your Medicare coverage? Grace & Guard helps you navigate Medicare Advantage, Supplement plans, and Part D — finding the best coverage at the lowest cost.
Learn About MedicareNot Sure What You Need?
The free 60-second Protection Score quiz identifies exactly which of these areas need attention for your specific family situation.
Take the Free Quiz