Guardian helps you support your individual and business owner clients
Expand your business and product offerings with Guardian. Our financial strength and stability are your opportunity to help meet the needs of your clients.
A diversified product portfolio
Our suite of products includes life insurance, disability income protection, fixed annuities and more to help your clients find the right solution.
Underwriting
Our underwriting process and programs are easy and efficient to help you place cases with us quickly and effectively.
Resources for advanced planning
Our Business Resource Center (BRC) can provide the specialized help you need.
Get appointed today!
Guardian has multiple local agencies throughout the United States that will provide you with the resources needed to place your business with us. Reach out to learn more.
With a diversified product portfolio, sound risk management, and prudent investment strategy, our strength and stability are your opportunity.1
Guardian Level Term 10/15/20/30-year term
Whole Life 99
Whole Life 95
Whole Life 121
10 Pay Whole Life
10 Pay Flex Whole Life
15 Pay Whole Life
20 Pay Whole Life
Essential Life™
SafeGuard360™
Executive Wealth Strategies Whole Life
EstateGuard® Survivorship Whole Life
Protection Universal Life
Provider Choice (Premier Package)
Provider Choice (Select Package)
Provider Choice (Essential Package)
PayGuard Plus
Retirement Protection Plus
Overhead Expense (Business protection)
Disability Buy-Out (Business protection)
Care Conversion Option Rider
Accelerated Death Benefit rider
Singe Life LTC Rider
Joint Life LTC Rider
Multi-Life Life
Provider Choice (Multi-Life DI)
Guaranteed Income Annuity III (SPIA)
Guardian SecureFuture Income Annuity (DIA)
Guardian Secure Index Annuity (FIA)
Guardian Fixed Target Annuity (SPDA)
Guardian Level Term 10/15/20/30-year term
Whole Life 99
Whole Life 95
Whole Life 121
10 Pay Whole Life
10 Pay Flex Whole Life
15 Pay Whole Life
20 Pay Whole Life
Essential Life™
SafeGuard360™
Executive Wealth Strategies Whole Life
EstateGuard® Survivorship Whole Life
Protection Universal Life
Provider Choice (Premier Package)
Provider Choice (Select Package)
Provider Choice (Essential Package)
PayGuard Plus
Retirement Protection Plus
Overhead Expense (Business protection)
Disability Buy-Out (Business protection)
Care Conversion Option Rider
Accelerated Death Benefit rider
Singe Life LTC Rider
Joint Life LTC Rider
Multi-Life Life
Provider Choice (Multi-Life DI)
Guaranteed Income Annuity III (SPIA)
Guardian SecureFuture Income Annuity (DIA)
Guardian Secure Index Annuity (FIA)
Guardian Fixed Target Annuity (SPDA)
Underwriting advantages
We know that underwriting is critical to your practice. Our goal is to provide you with the tools necessary to grow your business. That’s why we have developed a formula that can help drive your business in an easy and efficient manner.
Expanded Standard Program (ESP)/Table Shave
Health Advantage Underwriting Program
Fluid-less underwriting up to $3 Million
Foreign National Underwriting
Global Citizen Program
HIV Underwriting for Whole Life and Term products
Special limits for new professionals
Retirement Protection Plan
New Business Owner Programs
Business Loan Protection Program
Professional Replacement Benefit Program
Spousal Coverage Program
Expanded Standard Program (ESP)/Table Shave
Health Advantage Underwriting Program
Fluid-less underwriting up to $3 Million
Foreign National Underwriting
Global Citizen Program
HIV Underwriting for Whole Life and Term products
Special limits for new professionals
Retirement Protection Plan
New Business Owner Programs
Business Loan Protection Program
Professional Replacement Benefit Program
Spousal Coverage Program
Why work with Guardian?
160 years of service
Our long-term focus on financial stability has allowed us to pay a dividend every year since 1868.2
Built from financial strength
Our reputation rests on a commitment to financial responsibility, supported by our long-term investment strategy and prudent expense management.
Guardian news
Here you will find our most recent announcements, news stories, press releases, and more.
1 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.
2 Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.
1 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.
2 Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.