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PROVIDER REVIEW
Guardian Life
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About Guardian Life

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Guardian Life Insurance Review

Overview

Guardian Life Insurance Co. has been a reputable, trustworthy life insurance provider since 1868. As a mutual insurance company, it is owned by policyholders and pays out annual dividends to its whole life insurance customers. In 2020, the company expects to pay a record dividend amount of $982 million to its policyholders.

Guardian Life caters to people of all ages, from all walks of life with a rich lineup of term and permanent policy offerings. Policyholders can customize their coverage with a long list of available riders.


PolicyScout Review

Guardian Life has an A+ rating from AM Best and has been accredited with the Better Business Bureau since 1957. It currently has an A+ rating from the BBB. Guardian Life gets an average assessment from us in terms of billing, pricing, policy offerings, and customer satisfaction. Customer reviews are positive for the most part, as the company addresses and closes complaints they receive quite quickly.

Over three years, Guardian Life has had significantly fewer complaints to state regulators than expected for a company of its size, according to NerdWallet’s analysis of data from the National Association of Insurance Commissioners.

In 2019, Guardian was rated “better than most” for overall customer satisfaction in J.D. Power’s Life Insurance Study, ranking number 7 out of 24 contenders.

Pros

  • Comprehensive customer support. You can manage your policy online or work with an agent to analyze your policy according to your budget

  • Financially sound. High rates from A.M. Best, Moody’s, and Better Business Bureau mean it has the cash reserves needed to pay out claims

  • Quick customer service turn-around time; the company is quick to resolve complaints

Cons

  • Conservative underwriting. If you have health concerns, you may be denied or pay higher premiums

  • Higher than average premiums, particularly for whole life options

If you’re looking for a mutual company that pays out dividends, Guardian Life may be a great place to start, as they’re looking out for your best interests as a mutual company, rather than the best interest of their shareholders.

This solid insurance provider offers excellent, standard options along with some added riders to help meet the needs of most folks who need life insurance.


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