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Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Oct 19, 2022 Bankrate logo The Bankrate promise
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Not rated Bankrate Score Home 0.0 Auto 0.0 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Guardian life insurance may be of particular interest to those looking for term, whole or universal life insurance, and who enjoy the support of a financial representative. Pros and Cons Quick Look Pros Operates throughout the U.S. and is available in Puerto Rico Offers term, whole life and universal life insurance policies Exceptional ratings for financial stability from AM Best Cons No mobile app Customer service is available only during business hours Below-average ratings for customer satisfaction in J.D. Power study Nationwide availability No mobile app Numerous insurance products offered Guardian offers a range of other insurance products to help you round out your protection portfolio, in addition to life insurance. Consider whether the pros and cons make this insurer a possible fit for your needs. Guardian Life Insurance Company of America was started in 1860 and was founded by a group of immigrants in New York. Today, it has more than 29 million clients, providing life insurance and other financial products to individuals, companies and government-sponsored programs across the globe. Guardian is licensed to sell coverage in all 50 states, Washington, D.C. and Puerto Rico, although not all products are available in all states. Bankrate conducted a Guardian life insurance review to help you understand the company's offerings. Our research might help you decide if Guardian life insurance is right for your needs. This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser. Compare life insurance providers quickly and easily
See which provider is right for you. The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses. Whole life insurance combines life insurance with an investment component. Coverage for life Tax-deferred savings benefit if premiums are paid 3 variations of permanent insurance: whole life, universal life and variable life include investment component Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time. Fixed premium over term No savings benefits Outliving policy or policy cancellation results in no money back Find matches Powered by HomeInsurance.com (NPN: 8781838) This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Bankrate Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable. See more providers in Choose from insurers in Show More Guardian life insurance coverage types
At its most basic, offers your beneficiaries a financial safety net in the unfortunate event you pass away. However, because everyone has unique needs, several types of life insurance are available. You may find it informative to and price out different policy types to help determine which insurer might be right for you. Guardian offers three , each tailored to different circumstances: : Term life insurance is typically the cheapest policy option. It is active for a specific period — usually between 10 and 30 years — and it may be a good choice if you want a simple policy to cover you during a time of high financial obligation, for example, while are young. If you’re looking for the , Guardian may be a good place to start your journey. : Guardian offers two kinds of permanent life insurance: and . Both policy types are designed to last until your death (as long as premiums are paid) and provide cash value accumulation, but with universal life, you have a bit more flexibility with your premium and death benefit. All life insurance quotes will be more expensive as you age, but permanent insurance, in particular, can be prohibitively costly for , so getting a policy while you are younger could help you save on a permanent policy. Guardian life services
In addition to insurance, Guardian also offers financial planning services, which could help you choose products that are right for your needs. You can find an advisor by using the “” tool on Guardian’s website. A financial advisor or licensed life insurance agent can help you decide . Additionally, Guardian offers a life insurance cost calculator so you can do your own estimations. Used in conjunction with a , this tool could help you know how much your coverage will cost. Other Guardian perks worth considering
In addition to term, whole and universal life insurance, Guardian also offers the following products: Disability insurance Dental insurance Vision insurance Accident insurance Critical illness insurance Cancer insurance Hospital indemnity insurance Mental wellness benefits Annuities Individual retirement accounts (IRAs) Investments Guardian life insurance customer and claims satisfaction
Guardian life insurance reviews are generally positive, and the company has some favorable ratings with consumer watchdog organizations. The National Association of Insurance Commissioners (NAIC) gives Guardian Life’s individual life insurance products a , far below the baseline of 1.00. This indicates that the NAIC receives fewer complaints about Guardian Life than average. However, , another group that monitors customer service in the insurance industry, gives Guardian a lower-than-average 775/1,000. The ranked on five metrics. The lower-than-average score for Guardian may indicate its customers aren’t generally satisfied with their experiences. Your own experiences may hinge on many things, including your local agent. Another valuable ranking comes from , which provides financial strength ratings for insurers. A company’s history of financial stability indicates that they have historically been able to pay claims without issue, which may give you some peace of mind for future claims, although circumstances can change. Guardian’s A++ (Superior) is the highest rating AM Best provides and indicates that Guardian is well-managed with good financial investments. Guardian corporate sustainability
When it comes to giving back, Guardian focuses on : health and wellness, financial empowerment and economic opportunity. Programs range from helping fund dental programs and mentoring programs for marginalized communities to helping promote financial literacy and providing small-debt forgiveness programs. Guardian also helped during the height of the COVID-19 pandemic by addressing food insecurity and bolstering local economies. Finally, Guardian tracks metrics for its employees’ charitable donations and volunteer hours and keeps tabs on how energy efficient, and environmentally friendly its offices are. Not sure if Guardian is right for you Consider these alternatives
Although Guardian may be considered one of the , it might not fit your exact needs. If you’re not sure if Guardian is the right company for you, these other companies may be worth considering: : This provider might be a good choice if you are looking for strong digital tools combined with high customer satisfaction and numerous product types. Not all products can be quoted online, so you may still need to speak with an agent. : With the highest score in the J.D. Power study and a network of local agents who stand ready to help you with your life insurance needs, State Farm is a solid insurer. However, you won’t be able to buy coverage online; you’ll have to work with a local agent. : If you’re looking for a policy that can be highly tailored to your needs, Prudential could be the right fit. The company offers numerous riders to help you personalize your coverage but doesn’t offer whole life or no-medical-exam options. On This Page
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