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Group Life

Life and Disability Explorer

Employees can discover their financial protection needs by answering 4 simple questions.
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When the unexpected happens, ensuring loved ones have appropriate financial protection is crucial.

While most people recognize the value of life insurance, nearly one-third of American households currently don't carry any life insurance at all.1

Ranked 1st in new cases sold2, we provide companies with Group Term plans and options, including voluntary coverage, that help give employees and their families protection against the most difficult circumstances.

Here are some key features of our Basic Group Term Life plans:
Accelerated Life BenefitAllows an employee diagnosed with a terminal medical condition to receive up to 50% of his/her group term life benefit to assist with finances.
Waiver of PremiumIf an insured employee becomes totally disabled prior to age 60, life insurance may be continued without further payment of premium until age 65.
LifeAssistsmProvides critical income to employees who suffer a severe or catastrophic disability.
Enhanced Accidental Death & DismembermentAvailable features include day care expense benefits and additional payouts when seatbelts and airbags are used.
Employees can continue their life coverage through Guardian upon termination of their employment for  reasons other than injury, sickness or termination    of the policy. 
For more information on Guardian Group Life, call your broker or Guardian Group Representative.

1 LIMRA Life Insurance Ownership Study, 2010
2 LIMRA Year-End Report, 2012. Based on number of Group Life sales, excludes Specialty Products (i.e. COLI, BOLI).