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Financial Highlights


Ratings

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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History

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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Guardian performed well in 2013. We grew capital by $327 million and concluded the year with risk-based capital of 499%, which is indicative of one of the strongest capital positions in the life insurance industry. Additionally, consolidated statutory operating income before tax and dividends was $1.20 billion, up 3% from the prior year. 

As of/ For the period ended ($ in millions)

Dec. 31, 2013

Dec. 31, 2012

Operating Income Before Tax$354$284
Net Realized Capital Gains/(Losses), After Tax$66$29
Policyholder Dividends Incurred$770$792
Net Income$286$253
Capital$6,089$5,762
Return on Capital4.82%4.51%
Risk Based Capital ("RBC")499%470%
Total Admitted Assets$42,066$37,531

On June 16, 2014, Guardian made the following information available in connection with a financing transaction.
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