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Is Guardian whole life insurance right for you?

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1 Comdex is another strong metric used in evaluating insurance companies. A Comdex is a composite score averaging the ratings of the major insurance rating organizations, including A.M. Best, Fitch, Moody’s and S&P. Comdex is not a rating, but rather, a ranking based on the average of all the different ratings these different organizations give an insurance company. Comdex percentile ranks the companies on a scale of 1 to 100 (with 100 being the best).

2 Dividends paid in cash are typically income tax-free up to cost basis. However, if you take dividends in cash, you can owe taxes on dividends paid over and above the amount of premiums paid.

Financial information concerning Guardian as of December 31, 2022, on a statutory basis: Admitted assets = $76.0 billion; liabilities = $67.2 billion (including $55.0 billion of reserves); and surplus = $8.8 billion.

Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors. The total dividend calculation includes mortality experience and expense management as well as investment results. In addition, the Board established a minimum amount of dividend allocation — no less than $1.257 million to be distributed in 2024 to participating life policyholders with policy dates as of January 1, 1984 and later.