Guardian Life Insurance Company
7 Hanover Square H-26-E New York, NY 10004 (212) 598-8000 Company Website: http:/www.guardianlife.com Note: This is not the web page for Guardian Life Insurance Company of America. We are an insurance agency that represents them. If you have questions on a current policy, need service, have questions on your premium or a claim, please go to the Guardian Website or call Guardian’s customer support line at (888) 482-7342. If you are a LifeInsure.com policyholder, please feel free to contact us.
About Guardian Life Insurance Company
Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. As of December 31, 2018, Guardian and its subsidiaries had $73.9 billion in assets (on a consolidated statutory basis) all the while providing outstanding customer service to over 27 million customers. With close to 3,000 financial representatives and 80 agencies nationwide, Guardian and its subsidiaries protect individuals, small business owners, and their employees with life, disability, health, long-term care, and dental insurance products, and offer 401(k), annuities and other financial products and trust services. Specializing in the small to midsize business market, Guardian’s Group business unit serves more than 120,000 employers, 6 million employees, and their families.
Guardian’s Financial Ratings
We understand completely how important it is to purchase life insurance and financial products for the lowest price possible. We also believe that most people and businesses will agree that doing business with a financially stable company that can honor its promises far outweighs saving a few dollars on the products you purchase. Since the company’s inception, Guardian’s management team has taken a conservative approach to life insurance and financial products and has been award with top ratings from national rating companies.
|Rating Service||Company Rate|
|A.M. Best||A++ Superior|
|Standard & Poor’s||A++ Very Strong|
|Fitch||AA+ Very Strong|
|Moody’s Investors Service||Aa2 Excellent|
|COMDEX Score||98 out of 100|
Insurance Products offered by Guardian Life
Guardian Life Insurance is committed to offering the insurance and financial products that will accommodate the needs of individuals, families, and businesses and as such, they provide a comprehensive portfolio of life, health, disability, and specialty products.
|Term Life||Dental||Annuities||Voluntary Plans|
|Whole Life||Vision||IRAs||Supplemental Health|
|Universal Life||Accident||Investments||College Tuition Benefit|
Term Life Insurance
Life insurance shoppers who are looking to purchase a large death benefit insurance policy with very affordable rates should always consider Term insurance as a solution. Guardian offers affordably priced Level Term Insurance with policy terms of 10, 15, 20, and 30 years. All of Guardian’s term policies are convertible which allows the policyholder to convert their temporary coverage to a permanent plan without regard to insurability (no medical exam). Here are actual rates for a $250,000 10-year policy for a male and female non-smoker in health:
|Applicant Age Group||Male Non-Smoker||Female Non-Smoker|
Whole Life Insurance
Individuals that prefer Whole Life Insurance typically purchase it because of the guarantees and benefits that come with every whole life policy.
Universal Life Insurance
Universal Life Insurance (UL) was designed for individuals who want choices. The UL policy offers coverage for a lifetime or can be structured to provide coverage to a certain age. Universal Life policies offer flexible premiums and death benefits to accommodate the life events of the policyholder. UL insurance, like whole life insurance, accumulates cash value that earns a minimum interest specified by the insurance company and can be accessed for any reason by the policyholder.
What Guardian’s Customers are Saying
One of the best ways to determine if Guardian Life offers good customer service and lives up to its promises is to find out what current and former customers are saying about the company. Here’s what we found:
The Bottom Line
Guardian Life is one of those insurance companies that just doesn’t seem to disappoint people. If your preferred insurance carrier should offer many different products, have competitive rates, offer outstanding customer service, and have above average ratings, Guardian Life will likely be a great fit for you.