1 Society for Human Resource Management. 2018 Employee Benefits: The Evolution of Benefits. Accessed Dec. 2020.

2 LIMRA; "Employment-Based Life Insurance Ownership Trends; 2016.

3 The Guardian Workplace Benefits Study: Fourth Annual, 2016.

4 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 professional and refer to your individual whole life policy illustration for more information.

5 Riders may incur an additional cost or premium. Riders may not be available in all states.

6 Financial information concerning Guardian as of December 31, 2020, on a statutory basis: Admitted Assets= $68.1 Billion; Liabilities = $60.3 Billion (including $48.9 Billion of Reserves); and Surplus = $7.8 Billion.

Guardian Group Term and Permanent 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.