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Annual Report


All four of the major rating agencies affirmed Guardian's ratings in 2014.
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What's in a Dividend?

Guardian is a mutual life insurance company, operating for the benefit of participating life policyholders who share in the company's results, in part, through the payment of annual dividends.
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Guardian is a company with a rich and storied past that has emerged as one of America’s most successful life insurance companies.

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Our Values

At the heart of everything we do is a simple idea: There's no right way to do a wrong thing.
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The theme of Guardian's 2013 Annual Report is “Shared Interests” – illustrating how the values, goals, and actions of our company are unified with those of our customers.

The print edition opens with a letter from President and CEO Deanna Mulligan highlighting the company’s financial results and accomplishments in 2013.

The website version features videos of real customers and the Guardian people who work with them, spotlighting the many ways we enhance lives through our products and services. These stories include:

• Linsey Kramer, a San Francisco resident severely injured in a bicycle accident who has recovered with the help of the rehabilitation services, vocational re-education, and Group Disability Rehabilitation Specialist support provided through her group benefits disability protection
• Alex von Bidder, a New York City restauranteur who provides top-of-the-line service to his customers, and who in turns receives it from his Guardian Financial Representative through tools like The Living Balance Sheet®.
• Mike Carpenter, who continues to look out for the best interests of his family after the loss of his wife Marianne with the help of life insurance provided by his Guardian Financial Representative.

Guardian’s annual report for the past three years can be found here:

2012 Annual Report

2011 Annual Report

2010 Annual Report