But what if your business could do even more?

With Guardian, the voluntary benefits offered can go further to help employees, thanks to features and add-ons that address the worries of today while adding financial confidence for tomorrow.

Here’s how:

Guardian’s Wellness Benefit* pays employees for completing certain types of routine preventive care. Employees can then use those payments to help cover the cost of voluntary coverages while taking care of themselves.

Guardian’s Child Organized Sports benefit** boosts reimbursement in the event a dependent child is injured playing organized sports – ideal for when outdoor activities more widely resume and is available with Accident insurance only.

Our standard Rainy Day Fund can be used to pay Accident claims that would otherwise be denied due to certain limitations.

Plus, eligible voluntary coverage comes with our College Tuition Benefit, which awards tuition reward points annually to help your employees save for college. The more voluntary benefits you offer, the more rewards they can accumulate.



Available on Guardian Accident, Critical Illness, Hospital Indemnity, and Cancer Insurance.


The child must be insured by the plan on the date the accident occurred. The child must be 18 or younger.


Source:  Federal Reserve Bank of New York, February 2020.


Guardian Workplace Benefits Study report, “Benefits Optimization,” 2020.

Group Insurance products re 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. Accident:  This policy provides accident insurance only. IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. Specified Disease: This policy provides specified coverage only. Hospital Indemnity: This policy provides limited hospital insurance only.  Cancer: This policy provides limited benefits health insurance only. These policies do not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. GP-1-AC-BEN-12, et al, GP-1-CI-14, GP-1-CAN-IC-12, et al. The Guardian Life Insurance Company of America (Guardian), New York, NY. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America. ©Copyright 2021 The Guardian Life Insurance Company of America (Guardian), New York, NY.

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. College Tuition Benefits is available for Guardian Dental, Vision, Hospital Indemnity, LTD, STD, Life, Accidental Death & Dismemberment, Critical Illness, Cancer and Accident insurance. Some plan exclusions may apply. May not be available in all states.

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