Our national ready-to-sell supplemental health benefit plans make it easier for you to sell and grow your group business with competitive rates, compelling products, and comprehensive enrollment support built for speed and success.
Contact your Guardian sales consultant or client manager today to get yours.
Ready-to-sell plans eliminate need for custom builds — customizations provided.
Pre-approved shelf rates reduce quoting complexity, re-quotes, and handoffs.
Designed to help you move from prospecting to selling quickly
Access 75+ competitive, benefits-forward plan options across key segments, including multiple employer sizes
Accident: Designed off internal claims data, with increased benefits for high-use services including emergency room and urgent care visits, fracture, dislocation, follow‑up, x‑ray, and related services.
Critical illness: Removes pre-existing condition limits, adds Guaranteed Issue,¹ and allows spouses to elect up to 100% of the employee amount, all with simple administration.
Hospital indemnity: Includes enhanced coverage for newborn nursery, NICU, and infertility hospitalization, plus fertility health and family-building support, up to 5 admissions per year, with no waiting periods or pre-existing condition limits at initial eligibility.²
Built for speed and success
Integrated enrollment strategies combined with targeted communications, employee education, and guided decision support help maximize participation.
Services are complimentary to help ensure a seamless, high-impact rollout.
Deliver more, faster: Contact your Guardian sales consultant or client manager to get access to the national ready-to-sell plans.
For Agent/Broker Use Only. Not For Use With The General Public.
1 Guaranteed Issue at annual open enrollment.
2 If an employee waives at first eligibility and enrolls later, standard pre‑existing provisions apply.
Ready-to-sell supplemental health benefit plans are available in most states. Some state restrictions and variations apply.
Guardian’s Accident, Critical Illness, and Hospital Indemnity Insurance plans 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. Plan documents are the final arbiter of coverage. This policy provides limited benefits health 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. Policy Form No. GP-1-ACC-18, GP-1-CI-14, CI-23-P, GP-1-HI-15, HI-25-P.
