As an employer offering group benefits, you can:

Help employees

There’s strength in numbers when it comes to insurance. When accessed as a group, insurance premiums are generally lower for employees. In some cases, coverage will be significantly better than if they purchase insurance on their own.

Strengthen families

What would happen if an employee suddenly couldn’t work due to an illness or accident? What if a household breadwinner passed away unexpectedly? How would their families make ends meet? Certain group benefits can help ensure your employees are able to answer these questions with clarity and confidence.

Grow your business

A great benefits package helps you attract and retain the great employees you need to keep your business thriving for years to come. In addition, happy employees may generally be healthier employees, which means your business enjoys better productivity.

The cost of offering benefits

It’s understandable to be concerned about whether you can afford a comprehensive suite of benefits for your employees. But those concerns shouldn’t stop you. If you’re on the fence, follow these steps:

Different employees want different things. Figuring out what kinds of benefits your employees value most will help you determine how your benefits package should look. For instance, they may value dental and vision coverage or want different types of voluntary benefits, such as critical illness or hospital indemnity coverage.

Some employee benefit structures might be more financially viable than others. It’s important to determine how much of the financial responsibility can and should reside with you, or with employees.

Not all insurance carriers offer the types of benefits your employees want. Further, working with multiple carriers for different benefits might present more of a challenge than it’s worth. It’s helpful to find a carrier that can seamlessly provide all the benefits you want to offer your employees.

Meeting with a financial representative can help you assess what your business can realistically afford now, then make a plan for how you’d like your benefits portfolio to change over time so you can continue to build on the success of your business and meet your employees’ evolving needs.

We offer the following employee benefit options and services

Why work with Guardian?

Finding the right benefits for your organization can be daunting. Guardian makes it easier with more choices, effective communication, and simpler management.

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Ready to put together the best employee benefits package for your business?

We’re ready to help you create a winning benefits program.


Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

The Tuition Rewards program is provided by SAGE CTB, LLC. Guardian does not provide any services related to this program. SAGE CTB, LLC is not a subsidiary or an affiliate of Guardian. Guardian reserves the right to discontinue the College Tuition Benefit program at any time without notice. The College Tuition Benefit is not an insurance benefit and may not be available in all states. *College Tuition Benefit is available for Guardian Dental, Vision, Hospital Indemnity, Disability, Life, Critical Illness, Cancer and Accident insurance

Group Insurance coverages are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states.  Policy limitations and exclusions apply.  Optional riders and/or features may incur additional costs.  Plan documents are the final arbiter of coverage.

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