Financial information concerning The Guardian Life Insurance Company of America® as of December 31, 2016, on a statutory basis: Admitted Assets = $51.9 Billion; Liabilities = $45.7 Billion (including $39.4 Billion of Reserves); and Surplus = $6.2 Billion.

 https://www.nerdwallet.com/blog/average-credit-card-debt-household/

Guardian’s Group Short Term Disability and Long Term Disability Insurance are 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. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Plan documents are the final arbiter of coverage. Policy Forms #GP-1-STD-15-1.0 et al. and #GP-1-LTD-15-1.0 et al.

CA, TX, NY, NM are NOT approved

Loan Payment specifically is also not approved in CT ###