Guardian life insurance for employees
For many employees, the life insurance they receive through work is the only life coverage they have. Yet, only 6 in 10 employers offer this important coverage that plays a key role in supporting financial confidence.¹ And while 80% of Americans report being concerned about their financial preparedness in the event of an unexpected death,² now is the time to evaluate how Guardian life insurance can help set you apart.
Group life insurance helps employees care for the people and causes that matter most, no matter where they are in life. While it can help cover funeral expenses, life insurance goes much further. It can provide a source of income, pay off outstanding debts, and offer long-term financial confidence for loved ones.
With life insurance from Guardian your employees have the flexibility to designate beneficiaries in multiple ways, helping ensure their unique needs are met. It's more than a benefit — it's a meaningful way to support your employees’ financial confidence

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
Basic and voluntary term life insurance
Guardian offers a wide variety of group term life insurance offerings, so each employee can decide how to best protect the well-being of their loved ones and/or causes they hold dear.
Accidental Death & Dismemberment (AD&D)
Protection for employees and their loved ones in the event of an unexpected loss of life or an irreversible injury due to a covered accident.
Waiver of Premium Benefit
For qualified disabled employees to continue group coverage, premium-free.
LifeAssist℠
Provides additional income to employees for severe or catastrophic disability
Accelerated life benefit for terminal illness
Can help employees pay for needed care of a diagnosed chronic or terminal illness.
Continuing coverage
Employees may take all or a portion of their coverage with them should they leave the company.
Online will preparation
Employees can easily get end-of-life documents and plans in order.
Additional benefits
Including, but not limited to, business travel accident rider and emergency global travel resources.
48-hour follow-up
5-7 business day average turnaround⁴
Payment options that meet beneficiary needs
93% overall claim processing satisfaction⁵
Help provide clarity and confidence with enrollment decisions
Our enrollment team offers a wide array of employee communication, product education, and decision support resources to help employees make the best decisions for themselves and their loved ones. And we know that as time goes on, their needs may change. That’s why we make it possible for your employees to easily enroll in or increase their life insurance coverage to reflect unique life events such as marriage, the birth of a child, or the purchase of a home.

What can save employees valuable time and effort, too?
Unlock a more effective employee experience that eliminates the need to file multiple claims when you offer Guardian group disability insurance along with Guardian group life insurance.
Prepared and Protected: How life insurance helps support a family's financial wellness, Guardian, 2025
Guardian’s 12th Annual Workplace Benefits Study, 2023, Prepared and Protected, page 4
14th Annual Workplace Benefits Study, Guardian Life, 2025
From time all documentation is received.
Guardian Voice of Customer Survey 2023
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. Guardian’s Group Accidental Death and Dismemberment 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-ADD-15. The state approved form is the governing document. For NY, the Policy Form # is GP-1-AD&D-12R-NY. Online will preparation services (Services) are provided by ComPsych. ComPsych Corporation (ComPsych) is a vendor to The Guardian Life Insurance Company of America (Guardian). ComPsych and Guardian are not affiliated entities. Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and ComPsych reserve the right to discontinue Services at anytime without notice. Legal/financial assistance and resources services are not available in the states of New York and Hawaii. Services may not be available in all states. Provision of Services shall be in a manner consistent with applicable law. Global Emergency Services (Services) are provided by ComPsych through its subcontractor Assist America. Guardian does not control or provide any part of the Services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Only the policy contains applicable terms. Guardian and ComPsych reserve the right to discontinue Services at anytime without notice. Services may not be available in all states. Provision of Services shall be in a manner consistent with applicable law.