At TermLife2Go, our number one goal is to help life insurance seekers like you to find the best life insurance company and policy for your needs. We do this by having an intimate knowledge of dozens of top rated best life insurance companies and no medical life insurance companies. In this article, we’ll offer you more information about Guardian Life Insurance so that you can decide if it’s the right company for you.
Disclaimer: We are not Guardian Life. If you need to reach the company you can visit them online at guardianlife.com or call them at 1-888-482-734.
2016 Guardian Life Insurance Reviews
About Guardian Life Insurance
Guardian Life Insurance has been around for a long time—150 years! For a life insurance company—or any company—to be in business for that long says a lot. Guardian has made a name for themselves as a trustworthy life insurance company with solid financial strength. Having survived and thrived during many economic crises over the last century and a half, shows just how committed Guardian is to their policyholders.
Over the years, Guardian has grown to be not only one of the most well-known life insurance companies, but also one of the largest. They employ more than 5,000 employees across the globe.
Guardian Life Insurance Ratings
Sometimes it’s difficult to know which financial institutions to trust, particularly in today’s economic climate. To keep customers more informed, third-party ratings organizations assess financial institutions such as life insurance companies. They delve deep into their numbers to help assess financial strength and future prospect. Guardian Life Insurance has received great ratings by four of the most reliable rating agencies:
- M. Best Company rating of A++
- Standard & Poor’s: AA+
- Fitch: AA+
- Moody’s: Aa2
These ratings say a lot about Guardian Life Insurance as a company; when you purchase a life insurance policy with them, you don’t have a lot to worry about.
Types of Policies offered by Guardian Life Insurance
Guardian Life Insurance has a product list similar to most life insurance companies in the market consisting of term life insurance and permanent life insurance.
This is an affordable life insurance policy that is valid for the duration of time you are looking for coverage. For example, if you have school age children and only want a life insurance policy valid until they’re an adult, you may opt for a 15 year policy. During this time, your beneficiary will receive the full value of the policy. However, at fifteen years you have to renew the policy or it will not be valid.
See our life insurance rates by age chart for sample term and universal life rates.
This lasts just as long as it sounds—your whole life. A whole life policy is more expensive than a term life policy, but it holds cash value even while you are alive, and the payout will be available to a life insurance beneficiary even if you die when you’re 100! For more reading on whole life, check out our article about the advantages of cash value life insurance.
This is another lifelong policy. However, a Universal Life policy has more flexibility when it comes to payment and face amount. For some, this is the best type of life insurance policy. You can research more on the benefits of Indexed Universal Life.
How much will a Guardian Life Insurance policy cost?
Just like with all life insurance companies, Guardian Life Insurance will collect a lot of information about you. Then, they will decide whether or not to underwrite your policy, and at what price.
Why is that?
The reason that Guardian Life Insurance may be the best life insurance company for some people and not for other is because each and every life insurance company has their own way of calculating a premium.
For example, some companies consider diabetes to be a big deal. However, other companies specialize in diabetic life insurance. In order for someone dealing with diabetes to find the best rates, they will need to apply with the right company.
How do I know if Guardian Life Insurance is right for me?
Like we said, Guardian Life Insurance has been around for more than 150 years for a reason—they’re a great life insurance company. However, whether or not they’re the best for you, we can’t yet say. What we suggest is that first you give Guardian Life Insurance a call and see what they’re going to offer you. After you do that, give us at TermLife2Go a call.
What does TermLife2Go have to offer?
We are not a life insurance company, but we have extensive knowledge of the life insurance industry. We work with dozens of the top life insurance companies in the United States. Unfortunately, Guardian is not one of the companies we work with, which is why we urge you to call them first. But likewise, we don’t want you to stop there. When you give us a call, we will gather information about you and your insurance needs, and then we will match you with the best life insurance company from the dozens of top rated carriers that we work with.
It’s completely possible that Guardian Life Insurance will give you a better rate for more coverage than any of the other companies we work with. However, it’s also completely possible they won’t. Either way, aren’t you curious? You know what they say about making an important decision—don’t take it lightly. Do your research—or more aptly, let us do your research—and then make a decision about which life insurance policy to buy.
For a free consultation with TermLife2Go, please give us a call today!
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