Who is life insurance for?

Every person’s life insurance needs are different. That’s why we offer both group life insurance and individual life insurance coverage. A good place to start is your workplace, as your employer may offer life insurance at lower group rates. If offered, think about enrolling. It’s generally more affordable and easier to buy.

How does life insurance work?

Life insurance can help protect your loved ones financially by providing a death benefit (usually a tax-free payment) to your beneficiaries if you pass away. Permanent life insurance can also build up cash value that you can access at any time to help fund life’s financial opportunities, or realities, like a down payment on a house, supplementing education costs, and health care expenses. 

Why should I consider life insurance?

If you have children, a spouse, or someone who depends on you, life insurance can be a great way to help ensure they can continue to financially support themselves should the unthinkable happen to you. You can also consider permanent life insurance as a way to build up cash value you can use for other expenses in life.

The most important thing is taking care of your family.

For the Carlsons, life insurance didn’t just help improve their financial picture, it enabled them to plan for the future education costs of their newborn child. See how life insurance helped them achieve some of their long-term goals.

What are the benefits of life insurance?

Here are the types of life insurance we offer

Want to know your life insurance options?

Connect with a financial representative who can help you decide.

Are you an employee? Employees, contact your employer.

Are you an employer? Employers, talk to your broker.

Are you a broker? Offer your clients group life insurance.



Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information


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.


All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims-paying ability of the issuing insurance company.


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.


Universal Life Insurance may lapse prematurely due to inadequate funding (low or no premium), increase in cost of insurance rates as the insured grows older, and a low interest crediting rate. This does not apply to universal life policies which have a secondary guarantee, but if the secondary guarantee requirements are not met the policy will most likely lapse.

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



2019-85335 Exp. 9/21