Guardian wants you to know that we are here to help. We understand the concern and uncertainty you may be feeling as you deal with the impacts of the coronavirus pandemic. Guardian life insurance policies generally have a grace period of 31 days or 61 days following the premium due date in which to pay your premium. Your policy remains in force during the grace period.

To help our impacted New Jersey  individual policyholders currently facing a financial hardship as a result of the pandemic, Guardian will extend the grace period to at least 90 days to pay premiums for your life insurance policy or your annuity contract so they will not be cancelled for nonpayment during this challenging time

The extended grace period applies to premiums due during this current pandemic and may be adjusted or discontinued for future premium payments. This extended grace period is not intended to change the terms of your policy or contract or be considered a forgiveness of the premium. This is to help by giving you extra time to make your payments without penalty or interest.

Here is how to reach us if you have questions:

  • Contact your financial representative.
  • Sign in or register at to access your accounts or policies, sign up for electronic delivery of documents or chat with one of our representatives.
  • Call Guardian at 1-888-GUARDIAN (1-888-482-7342).

As a mutual company, Guardian is guided by the needs of our customers who have trusted us through challenging times for nearly 160 years. Thank you for continuing to place your trust in us.


The Guardian Life Insurance Company of America includes wholly owned subsidiaries The Guardian Insurance & Annuity Company, Inc. and Berkshire Life Insurance Company of America.

Guardian® is a registered trademark of The Guardian Life Insurance Company of America.

2020-99910 20220422