Life insurance for the way you live
Protect what matters to you, today and tomorrow
Life insurance helps take care of who and what you love, no matter where you are on your journey. Your company's annual benefits enrollment period is a great time to confirm that you have the right coverage in place.
A general guideline is to consider having coverage equal to 7 to 10 times your annual salary.¹
That might sound like a lot, but consider this: It can take years for a family to financially recover from the loss of a loved one.2

More than 50% of employees who experienced the premature death of a spouse or partner report that, after 5 years, they're still experiencing a “major/devastating” impact on their family’s financial confidence.³
Times to consider getting life insurance
Life insurance can be an important part of your financial wellness as your life changes.
The top three reasons reported for obtaining life insurance are to cover final expenses, replace lost income, and leave an inheritance.⁶
How to take advantage of your life insurance benefits at work
Review the benefits offered through your workplace and determine how much life insurance is available to you. If your employer provides life insurance as a benefit, consider this an easy and convenient way to gain additional financial protection for who and what you love.
1 This is Guardian's Rule of Thumb based on experience and may not apply universally to every individual and their unique set of circumstances
2,3 14th Annual Workplace Benefits Study, Guardian Life, 2025
4 "Funeral Costs: How Much Does an Average Funeral Cost?" Parting, September 13, 2022
5 Cosigning a Loan FAQs, Federal Trade Commission Advice, 2023
6 Why should I buy life insurance? Insurance Information Institute, 2025
7 U.S. Life Insurance need Gap Grows in 2024, LIMRA, April 15, 2024
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. Guardian’s Group Term Life Insurance is 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. Generic Policy Form # GP-1-LIFE-15. The state approved form is the governing document. For NY, the Policy Form # is GP-1-LIFE-12-NY.