Blue Nebula Consulting, Inc. offers custom, exclusive products and services created to benefit our partner funeral homes and the families they serve.  Every pre-arrangement policy written is backed by the nation's highest quality preneed providers. National Guardian Life Insurance Company (NGL) is a century-old mutual company with an A.M. Best “A- (Excellent)” rating, more than 2.5 billion dollars in consolidated assets and a 9 percent surplus ratio ($196 million in surplus).  Physician's Mutual holds more than 119 years of achievement, with $2.79 billion in assets and excellent ratings by A.M. and Weiss. Backed by such financially sound companies, we are able to support contractual growth philosophies that ensure the long-term safety and security of our partnered funeral homes.