Guardian Life Insurance Review

Rating: 8.9 / 10 (Excellent)
Disclosure: We receive advertising revenue from some partners. Learn more.

 

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

Features

 

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

Disability

 

Financial Summary

Standard and Poor’s

AA+

Moody’s Rating

Aa2

A.M. Best FSR

A++

 

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.


Top Rated
Our Partner
9.6 / 10
  • Get $250,000 of Term Life Coverage for as Low as $14/Month
  • Save up to 70% on your term life policy
  • Get a free, no-obligation term life insurance quote
  • Over 88 million customers worldwide rely on AIG
  • It takes 2 minutes to request your term life quote

Start your review for
Guardian Life Insurance