Almost nine in ten U.S. workers say it is important that their family is protected financially in the event of their premature death.1

 

Life insurance can help protect what's valuable to employees and is an important part of financial wellness. You can help more clients offer a comprehensive benefits package that not only sets their employees on a path toward added financial independence but also helps employers. How?

Financial stress impacts working Americans’ emotional and physical well-being.²

  • Financial-related stress can distract people at work
  • It can take a physical toll and impact a company’s health-related costs

With a life insurance offering that helps reduce employees’ financial stress, your clients are investing in a productive and focused workforce, which can enhance their company’s bottom line.

And, Life Insurance is something their employees count on through their workplace:

  • 74% of those with life insurance obtain it from their workplace.1
  • Yet, more than 60% have either no life insurance or less than industry recommended coverage amounts.1

With Guardian you can offer a life insurance program that helps meet your clients’ and their employees’ needs.

Products and options

Through a variety of funding options for our Term Life Insurance, we’re committed to helping you build and recommend a valuable comprehensive plan.

Highlights include:

  • Guarantee issue amounts help employees take advantage of protection regardless of health history
  • Portability allows employees to keep coverage if they change jobs
  • LifeAssistSM option provides critical income to employees who suffer a severe or catastrophic disability while on approved waiver of premium
  • Options to easily increase life insurance amounts over time without medical exams or via automatic increase (for Voluntary Term Life plans)

You can offer a complete, continuous option by recommending both our Term and Voluntary Permanent Life Insurance.

To help maximize financial security for employees, our Accidental Death & Dismemberment (AD&D) insurance can complement your client’s Life plan by covering accidental death and injuries.

Why group life insurance from Guardian?

Support that can be counted on

Through the years, Guardian has consistently maintained high financial ratings from ratings agencies. As a company that’s been delivering on promises for over 155 years, our stability means we’ll be there when our customers need us most. When a life claim is filed, a tenured, dedicated life case manager handles our customers’ experience with empathy and care and facilitates fast, accurate benefits payments.

Valuable services beyond life insurance

With Guardian, the value your clients can provide their employees goes beyond just a life insurance plan with these other available services:

  • Will Preparation Services - access to estate planning professionals, online planning documents and resource library (automatically included on Voluntary Term Life).
  • WorkLifeMatters - employee assistance program providing guidance on personal, financial and legal matters. Plus, workplace tools for employers.
  • Travel Related Insurance Protection (TRIP) - an emergency travel and medical assistance program designed especially for employees who frequently travel for business or pleasure.
  • College Tuition Benefit – when your client’s employees participate in a Guardian plan, they can earn tuition rewards that can help pay for the cost of college.

​​​​​​​Ready to take the next step?

Learn more about why Guardian is a smart choice for life insurance plans. We can provide any help you need in determining coverage to offer your clients.

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Disclaimer

The Guardian Workplace Benefits Study: 7th Annual, Financial Wellness Series Part 3, 2019.

The Guardian Workplace Benefits Study: Fourth Annual, 2016.

WorkLifeMatters Program services are provided by Integrated Behavioral Health, Inc., and its contractors. Guardian does not provide any part of WorkLifeMatters program services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and IBH reserve the right to discontinue the WorkLifeMatters program at any time without notice. Legal services provided through WorkLifeMatters will not be provided in connection with or preparation for any action against Guardian or IBH. WorkLifeMatters Program services is not an insurance benefit and may not be available in all states.

TravelAid services are provided by Integrated Behavioral Health, Inc., and Frontier Medex. The Guardian Life Insurance Company of America (Guardian) does not provide any part of TravelAid services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a contract. Only the policy can provide the actual terms, services, limitations and exclusions. We are not responsible for availability, quality, result of or failure to provide any medical, legal or other care or service caused by conditions beyond our control. Guardian and IBH reserve the right to discontinue TravelAid at any time. This service may not be available in all states.

WillPrep Services are provided by Integrated Behavioral Health, Inc., and its contractors. This is not an insurance benefit and may not be available in all states.

Guardian Group Life Insurance 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. GP-1-LIFE-15, GP-1-GPL-14, GP-1-R-ADCL1-00 and GP-ADD-15-1.0

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