Guardian’s Individual Life & Disability Income products help us protect individuals and their families, as well as small business owners, against financial risk with life, disability, and long-term care insurance products. Our broad life insurance portfolio includes a range of whole life, term life, universal life, and variable universal life products. Guardian is a mutual company—our whole life policyholders participate in our financial success by receiving annual dividends.*

As an industry leader in disability income, we specialize in products and services that provide high-quality income protection for professionals and business owners. We also offer supplemental individual disability income insurance for qualified employee groups.

Our long-term care coverage offers an unprecedented degree of coverage flexibility, allowing consumers to choose how much coverage to acquire, when it starts and how long it lasts.