Guardian Life Insurance Review

Rating: 8.9 / 10 (Excellent)
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Guardian Life Insurance of America specializes in providing various insurance and financial options such as life insurance, retirement programs, disability income insurance and investment plans for families, businesses and individuals across the US. Life insurance policies are categorized into major categories; Term Life, Whole Life, Universal Life and Variable Universal Life. Term life which offers guaranteed low premiums though Variable Universal life which provides standard life insurance benefits coupled with investment opportunities.


Plan Details



Access to cash value

Convertible to permanent plans

Guaranteed benefits

Potential for dividends


Life Insurance Plans Offered


A. Term Life

- 10, 15, 20, 30 years

- For ages 18 to 75 years

- Guaranteed benefits during term period

- Low premiums

- Convertible to permanent life insurance


B. Whole Life

- Lifelong coverage

- $25,000 minimum benefit

- Up to ages 75 years

- Access to cash value

- Guaranteed death benefit (income tax free)

- Potential for dividends


C. Universal and Variable Universal

- Lifelong coverage

- Up to age 75 years

- Flexible premiums

- Accumulated cash value

- Investment option

- Guaranteed benefits

- Death benefits options (level death, increasing death, return of premium death benefit)


Plan Riders

Long term care

Waiver of premium

Accidental death benefit

Enhanced death benefit

Guaranteed insurability option

Living/ accelerated death benefit



Financial Summary

Standard and Poor’s


Moody’s Rating


A.M. Best FSR



Guardian Life Insurance - Final Thoughts

Guardian Life Insurance has a great list of life insurance policies that cater to life insurance policies with short term needs to those who are not only looking for protection but also would like to beef-up their benefits with a policy that also works as an investment. With solid financial ratings, policy holders will be sure that their benefits will be available once needed. However, budget conscious consumers might find Guardian Life Insurance to be a pricier option compared to the other top services we reviewed.

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