Guardian Life Insurance

Available Policy Plans With Guardian Life Insurance

The Guardian Life Insurance company provides four different life insurance policies to the customers on their website. Let’s learn more about them!

Term Life Insurance

Term Life insurance offers a death benefit to the policyholder for a certain period. Once the term is up, there is no death benefit payable, and the policy expires. This type of insurance comes with a plan of 10, 15, 20, or 30 years. The online quotes are available from age 18 to 75, which is age limitations. The coverage limits start from $250,000 to $5 million and cover the age up to 88, depending on where it began.

Whole Life Insurance

Whole Life Insurance is a lifelong insurance product, which offers a death benefit and allows to build assets over time. Guardian Life is a mutual company, offering policies to the qualified dividends only. It also guaranteed cash values that assemble over time. The issue age may vary depending on the plans you choose. The minimum value starts from $25,000, $100,000, or $250,000, depending on the age, underwriting, and class. Therefore, it is always a good option to discuss it with the agent first.

Universal Life Insurance

Universal life insurance is a type of policy that offers lifelong coverage with a preeminent death benefit and higher chances of building cash value, policy loans, and flexible premium payments. It is highly different from whole life insurance because its cash value ranges based on the universal life plan. It has numerous advantages such as flexibility in the premium payment, guaranteed 2.55% interest, tax advantages, and more.

Survivorship Life Insurance

Survivorship life insurance is a policy, which is recommended to married couples who plan to set up an estate after when they both have died. It covers two people and has built-in living benefits. It can withdraw money or borrow from the cash value tax-free after a certain period.


Pros & Cons of Guardian Life Insurance

Guardian Life Insurance offers multiple pros and cons, and some of them are as follow:


It is a mutual insurance company, who only answer to policy owners and not investors.
It has approximately 2,700 financial representatives .
It is operated throughout the United States.
Have fewer complaints compared to the other insurance companies .
Provides whole life, offers rm, and universal life insurance policies.

It has no mobile application but only an official website, which is easy to navigate .
The customer care services are only available during the business working hours .
Below-average ratings for customer assistance in J.D Power Study.

Available Riders

Riders are considered one of the best ways to get extra coverage from the life insurance policy. It also adds clauses that help if you lose your income but want to maintain the coverage. It offers a few additional rider options for the extra cost as per the policy but has age limitations, which are as follow:

The waiver of premium rider may allow you to waive premiums if the person becomes disabled for a minimum of six months.
Term conversion rider permits you to convert term life coverage to the permanent policy during a certain period without taking a medical exam.
Guaranteed renewability rider allows the customer to renew term life coverage even if diagnosed with severe illness.
  • The accidental death benefit rider increases the death benefit if you die because of an accident.
  • The Index Participation Feature permits the policyholder to add investment options to the whole life policy.
  • The accelerated death benefit rider is added to the single life and survivorship policies that add a death benefit, which can be used for long-term care. Adding a rider like that will help you save a lot of money because you will cover two needs with one policy.

However, it is always best to communicate with the agents before adding the riders to the policy. For more details regarding Guardian Life Insurance policy, you can reach out to LifePlans!

guardian life insurance guide

Guardian Life Insurance Pricing

We have compared the Guardian Life Insurance prices with other health criteria policies, including males and females. The pricing of the Guardian Life Insurance is good compared to the other. Patients in high-risk categories like HIV have an advantage in pricing and product offering. The Guardian Life Insurance provides only basic information on the website, generally the samples.


Customer Service Review

Guardian Life Insurance is said to be one of the best options. Apart, it has won various awards for its services. It offers online policy serving, and once you acquire the policy, it offers all the policy-type information and educational videos. Additionally, the company is also ranked 14th out of 23 life insurers, making it one of the insurance providers.


The Guardian Life Insurance helps people protect themselves and their families by offering them insurance in different ways. The company provides health insurance, financial tools, including IRAs and annuities. It also offers a calculated amount that is beneficial and works the best for you. If you plan to get Guardian Life Insurance, you can reach out to LifePlans for more information. Our customer care service is 24x7 available to assist the customers with doubts and queries!