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Last Updated: 04/18/2025

Guardian Life Insurance

from Guardian

Last Updated: 04/18/2025

Strongly recommended8 total votes

6 users recommend

2 users are unsure

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Highlights

Community Rating

Strongly recommended

Term Life Death Benefit Range

N/A

Term Options

Term Life

Financial Strength Rating

A+(Verified 04/18/2025)

Number of Reviews

8

Guardian Life Insurance Review

Guardian Life Insurance Pros & Cons

Pros

Cons

Life policy terms of up to 30 years.
Strong financial rating
Available in all 50 states.
Access to multiple life insurance policy types.

Guardian is a life insurance carrier based in New York, NY. The company was founded in 1860 and offers life insurance products in 50 states (and Washington, DC).

Guardian Life Insurance FAQ

What types of life insurance products does Guardian offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Guardian offers.

Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Guardian Life Insurance offers term lengths ranging from 10 to 30 years.
Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.

What is SuperMoney's financial rating of Guardian?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Guardian an A+, which is the highest available rating we give to life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

7 Hanover Square

New York, NY 10004

(212) 598-8000

Visit Site

Email Support

Other Services by Guardian

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +75, or 4.5 on a 5-point rating scale.

+75

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Guardian Life Insurance Community Reviews

Would you recommend Guardian Life Insurance to your friends?

MC

Mazhar C.

Nov 25, 2022

May or may not recommend

Guardian Life Insurance is one of the best insurance companies around. There was a time I worried about how to get my family insured at a low cost and did little research on some insurance companies. Guardian Life Insurance proved to be one of the few insurance companies that offer insurance products at a low cost. I can rest easy now, knowing fully well that in the event of any ...Show More

AN

Amanda N.

Apr 1, 2022

May or may not recommend

Guardian Life is a great company. I believe we had our work life insurance plan through this company. Very good customer service and I never had a problem with them. I will definitely use them in the future.

OM

Okera M.

Jul 23, 2021

May or may not recommend

I'm not too sure about Guardian Life Insurance. it is ok I would say. It isn't the best I've seen.

SL

Salim L.

Jul 16, 2021

May or may not recommend

Great value for money if it is about term life, however, the option of renewing or converting to whole life is available but that comes expensive. overall a great customer service

JL

Jonathan L.

Jul 7, 2021

May or may not recommend

Great staff that was friendly and paid attention to detail. I would recommend them.

AO

Adebola O.

Jun 16, 2021

May or may not recommend

Affordability is one thing I cherish about Guardian life insurance and that won't affect all they promise.

Imoleayo L.

May 6, 2021

May or may not recommend

Guardian Life Insurance is one of the best insurance companies around. There was a time I worried about how to get my family insured at a low cost and did little research on some insurance companies. Guardian Life Insurance proved to be one of the few insurance companies that offer insurance products at a low cost. I can rest easy now, knowing fully well that in the event of any ...Show More

Trisha D.

Sep 12, 2020

May or may not recommend

It's a great product for people who need a low cost life insurance policy. They provide custom quotes based on tobacco use, gender, age, and income. I was able to get a 540K policy for less than $30 monthly. That's great value for my money. I know that would be sufficient for my family if the worse happened. The only con is that they only offer term life but they ...Show More

Showing 8 of 8 reviews