(801) 214-9678
Alexandra E.
CEO of Big Life Journal
“We feel incredibly fortunate to have been introduced to Garda Insurance. From the moment we connected with Dale, it was evident that we were dealing with a professional who truly values customer satisfaction. Dale’s responsiveness was exceptional. He not only promptly attended to our inquiries but also took the extra effort to explain the intricacies of the insurance process in a way that was easy to understand. His level of patience and understanding made the entire experience stress-free and immensely reassuring. In our eyes, Garda Insurance has become our trusted partner.”
Brian S.
“Highly Recommend!! I recently purchased an optimally funded whole life insurance policy for my cash flow banking system and the team at Garda had all the specifics dialed in. The whole team was professional, very responsive and got me the exact policy I was looking for. In that process I added a policy for my son and couldn’t be happier with the whole process. I am pleased with their services and will be doing business with them again in the future should I need additional insurance policies.'”
Drew
Physician
“When we first heard about the potential benefits of an overfunded whole life policy from our financial adviser, it sounded intriguing but at the same time very complicated. So we were honestly somewhat intimidated and not necessarily sure we wanted to invest in such a vehicle.
“In addition, we were a bit skeptical having previously talked with other agents about some other whole life and universal life products. It always seemed that they were trying to make a sale and they always seemed to be relying on best case scenario rather than reality. ‘Smoke and mirrors’ comes to mind when characterizing these conversations!
“But we were encouraged to talk to Dale at Garda and decided we would hear what he had to say. Now, seven years later, we couldn’t be more pleased with our decision, and feel truly blessed to have found Dale and the team at Garda.
“Over the course of several introductory meetings, Dale patiently laid out for us and explained all of the facets and nuances of this type of policy in detail and made it understandable. He also suggested a couple of books to read, which we did. He was not in a rush to make a sale like a typical insurance agent, but it was quite evident that he prioritized that we understood everything thoroughly, without sugar coating anything. We were so impressed by that.
“By the end of the process, we felt educated and confident that we thoroughly understood the benefits. So we decided to move forward, and fast forward 7 years, we are so happy we did!
“My wife and I love all of the benefits of this policy, not just the death benefit, but the riders that give us peace of mind in the event of disability or terminal illness, as well as the many ways that the cash value of the policy can be utilized. We have such peace of mind now as we anticipate retirement in the next 5 years.
“It is telling to note that we recently began working with a comprehensive retirement planner, who was not familiar with Dale or Garda. As part of his process of advising us, he independently reviewed our whole life policy and he was highly complimentary of how Dale had structured the policy and all the benefits it provides. He said we had made a wise decision!
“I would HIGHLY recommend Dale and his team to anyone considering this type of policy!”
Mary R.
Retiree
"When I first started working with Garda, I was concerned because I am not a wealthy individual, quite the contrary. I'm also retired and live nicely but frugally. I always felt frustrated and worried that I'd never be someone who had even close to that $1 million in the bank we used to be told would insure us a decent retirement.
"From the very first call with Garda though, I was impressed and felt at ease. No high pressure sell at all. Their approach was more of a 'schedule a meeting to see if what they have to offer makes sense for you.' I truly felt that the questions asked and discussion were focused on establishing whether Garda's services and products were a good fit for me and what were the possibilities. They also did not make me feel that I shouldn't be interested in a legacy for my children with my meager financial situation.
"Each of the Garda team members I met with on the phone were very knowledgeable and professional. Yet there was a humility and an ease with saying they needed to get back to me with more information when necessary. From the start, I felt that the people in this firm were committed to helping me, knew what they were talking about and were very responsive in their communication with me.
"Four years ago, I felt thoroughly informed before I made the decision to invest in an overfunded whole life insurance policy, and I moved forward with a calm inside and good feeling about the decision. Each year, as I add additional funds to the policy and meet with Garda for an annual review, I am very pleased that I will be able to leave a small legacy for my kids. Plus, should I need to, I can borrow from it and I can continue to add to the policy even after the initial years needed to fund the policy to increase its value.
"I've had excellent communication from the Garda team, especially Dale Clarke. I have reached out to them on a number of occasions for help in understanding possibilities for an annuity and for future estate planning. They've always been responsive and made me feel that my contact was welcome. I've been very pleased with my dealings with Garda and most recently, following my mom's passing and the sibling shared sales proceeds from her home, together with Garda's assistance, I'm purchasing an annuity to insure a guaranteed revenue stream through the remaining years of my life. Even though it isn't a big sum each year, at 71, this additional financial security brings me a cushion and a sense of peace.
"One of the scariest things for my mom as she aged was her worry about not having enough money and not having money left to leave to her children. She lived to 93 and had many years of worry, even though she lived a comfortable life and did leave us some inheritance. The mind works in interesting ways, and for me, getting the assistance from Garda to actually remove those worries my mom had all of her later years in life is a priceless gift. I truly feel grateful that God put Dale Clarke and the Garda insurance team along my path."
Patricia K.
Retiree
"I first learned about Ryan O’Shea in 2014 when I attended Mike Dillard’s money talk show. I had just taken early retirement for health reasons and was looking for safe ways to invest my modest retirement savings. I was a novice, knew very little, and wanted guidance I could trust.
"Ryan was one of the expert guests on the show, and I was very impressed with his presentation. I jotted down his contact information, called soon after, and he quickly earned my trust. He helped me invest in several accounts that met my needs, including an annuity he also set up for his own mother, which meant a lot to me.
"From the start, Ryan treated me with respect and patience, answering my many questions and walking me through the enrollment process. Even though I didn’t have a large amount to invest, he made me feel valued and never rushed. Today, both accounts run smoothly without needing his ongoing attention, and I continue to receive a modest monthly annuity check that has helped me greatly over the years.
"What surprised me most was how he treated me with dignity despite the size of my investment. Without hesitation, I would encourage anyone considering working with Ryan to contact him. I have only good things to say about him."
*Disclaimer: Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or account. These product recommendations are not part of the financial plan and you are under no obligation to follow them. Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.