Life insurance. Why you’re never too young to start planning ahead.

Life insurance can do more than just provide benefits for children. With life insurance from Guardian, you can set up your beneficiaries in lots of different ways.

Why life insurance adds value to any benefits mix

While 74% of those with life insurance obtain it from their workplace,1 more than 60% have either no life insurance or less than industry recommended coverage amounts.2

People tend to overestimate the cost of life insurance. Most don’t realize that the average monthly premium can be as affordable as other expenses, such as the cost of a daily latte.

That can be appealing to millennials – less than 50 percent of whom own life insurance. While younger millennials are less likely to own a house or have children (two key life insurance ownership triggers), they may not realize that life insurance can stretch beyond traditional uses to support causes they care about, too.

Read the Guardian Workplace Benefits Study, “Protecting those we love: The role of life insurance in financial wellness.”

Guardian helps employers offer a life insurance program that:

Protects the people and causes employees value.
Sets employees on a path toward financial wellness.
Works with a company’s bottom line.

How Guardian life insurance can go further

We offer a wide variety of complementary products and features that address employees’ needs:

  • Accidental Death & Dismemberment (AD&D) – Help increase financial confidence for employees by offering AD&D insurance as a complement to a Guardian life plan to cover accidental death and injuries.
  • College Tuition Benefit – A simple and effective way for employees to save for college. Each year employees earn tuition reward points for the Guardian plans they’re enrolled in that can be used at more than 400 colleges and universities.3
  • LifeAssistSM– Provide employees with the critical income needed should they suffer a severe or catastrophic disability.
  • Will Preparation Services – Offer employees complimentary access to estate planning professionals, online planning documents, and a resource library. Standard with all voluntary life plans.4
  • Employee Assistance Program (EAP) – Give employees the opportunity to access confidential, one-on-one, and web-based support on personal, financial, and legal matters. Workplace tools for employers are also available.

How Guardian goes further

Our enrollment support takes the work off employers by offering:

  • a wide array of product education and decision support resources like onsite meetings, phone help, and online tools
  • multiple online enrollment options through GuardianAnytime.com or benefits administration platforms driven by the latest technology
  • re-enrollment options that allow employees to increase coverage over time without medical exams

Support employers and employees can count on

As a company that’s been delivering on promises for more than 160 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 your employees’ experience with empathy and care, and facilitates fast, accurate benefits payments.

Disclaimer

1,2

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

3

The Tuition Rewards program is provided by SAGE CTB, LLC. Guardian does not provide any services related to this program. SAGE CTB, LLC is not a subsidiary or an affiliate of Guardian. Guardian reserves the right to discontinue the College Tuition Benefit program at any time without notice. The College Tuition Benefit is not an insurance benefit and may not be available in all states.

4

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

2021-125763 20230930