Protection from the unexpected

Your life or disability insurance may not have to change if you don’t want it to. Staying protected can provide that protection for you and your loved ones. Connect with a Guardian client specialist to review your options and build an action plan to stay covered.

Life insurance

Life insurance can help protect your family or loved ones financially if you were to pass away unexpectedly. Some kinds of life insurance, including whole life insurance, can have additional financial benefits, like building cash value that you can use for things like buying a home or putting kids through college. 1, 2

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Disability insurance

Disability insurance can help replace a percentage of your regular income in the event you become too sick or injured to work.

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A strategy for retirement

Whether you’re new in your career or only a few years away from retiring, Guardian’s financial professionals can tailor solutions to help keep your retirement strategy on track.

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Planning for the future can help you live for today

Talk to a Guardian client specialist to build an action plan for your future — it’s quick and completely complimentary.

Disclaimer

Whole Life insurance is intended to provide death benefit protection for an individual’s entire life. Any loans or withdrawals reduce the policy’s death benefits and cash values. Some whole life polices do not have cash values in the first two years of the policy. Whole life insurance should be considered for its long-term value. Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. All applicants must be actively working full time to apply, and women who are currently pregnant will be issued a policy with a pregnancy exclusion. Not all occupations are eligible for coverage, and some policy benefits and features are not available to all occupations.

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