About Guardian
The Guardian Life Insurance Company of America is a mutual company headquartered in New York. It was founded in 1860, when a community of immigrants joined together to protect their families, and it describes itself as accountable to its customers rather than shareholders.
Products
Guardian sells individual life insurance and disability income insurance, plus annuities and wealth management through its financial representatives. For employers it is a major provider of dental, vision, group life, disability and other workplace benefits, with digital integrations for payroll and HR platforms.
Financial strength
Guardian announced a 2026 dividend allocation of $1.7 billion, the largest in its history. Financial strength ratings can change, so confirm current ratings before buying.
Contact and claims
Policyholders can find service numbers on their policy documents or at guardianlife.com. Group members usually reach Guardian through their employer's benefits portal.