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SmartGuard Plus

Flexible Life Insurance with Built-In Income Benefits Support for your future. Security for your loved ones.

What Is SmartGuard Plus?

SmartGuard Plus is an index-linked universal life insurance policy that includes a Guaranteed Distribution Rider (GDR) — automatically added on day one — designed to support both your retirement income and your family’s long-term security.

This product combines:

A guaranteed death benefit for your loved ones
A source of predictable income later in life
The potential for market-linked growth with downside protection

See How It Works

SmartGuard Plus was designed for people like Shonda — building for retirement, while planning for her family's future. It helped her diversify her financial strategy and plan for peace of mind.

SmartGuard Plus At a Glance

Growth Opportunities and a Level of Protection

Index-Linked Growth

By participating in index-linked growth strategies, policy values can potentially grow with a level of protectiPolicy values may grow by tracking market indices — with built-in protections against loss.

Guaranteed Distribution Payments

Starting in policy year 11, SmartGuard Plus pays guaranteed, tax-advantaged income through policy loans — that never fall below a minimum amount.¹

Guaranteed Death Benefit

No matter what happens with the markets, your loved ones will receive a guaranteed, generally tax-free death benefit.²

Note: Once distribution payments begin, your policy stops tracking the market and moves into a Fixed Account.

A Long-Term Life Insurance Solution

SmartGuard Plus is built for the future. This is not a short-term savings tool — it’s a strategy for longevity. Holding the policy long-term ensures you access all the benefits without disruption.

Questions to Ask Your Financial Professional

1. Would an index-linked life policy with income benefits suit my retirement goals?

2. How does the GDR help me leave a legacy — while still supporting my income needs?

3. Will I need to take a medical exam to qualify?

4. How can I choose a provider that I know will be there long-term?

5. Can this product really provide both flexibility and security in retirement?

Important Information

Income is distributed via policy loans starting in year 11. Loan balances may impact death benefits but are supported by the GDR.

Death benefits and policy growth assume the policy remains active and in good standing.

SmartGuard Plus is not designed for short-term investing or early surrender.

The product is only available through licensed insurance professionals.

Heritage One Insurance believes in planning with purpose. SmartGuard Plus gives you options — to support your lifestyle, protect your legacy, and offer peace of mind when it matters most.

Pro Tip: Print or share the brochure in advance to help guide the conversation.

Heritage One Insurance believes in planning with purpose. SmartGuard Plus gives you options — to support your lifestyle, protect your legacy, and offer peace of mind when it matters most.