Who is guardian insurance

To qualify, an applicant must be:. Guardian Life ranked 14th out of 23 companies in the J. Power U. Life Insurance Study on customer satisfaction. Before you start comparing companies, choose the type of life insurance you want, such as term or whole life. Decide which life insurance riders , if any, you want the policy to include.

Calculate how much life insurance you need and how long you want the coverage to last. When comparing rates, be sure the quotes are for the same amount of coverage over the same period of time.

Price may not be the biggest driver behind your decision to buy. Look at the number of consumer complaints each company receives, as high numbers can be a red flag about the quality of service. For more guidance, see our life insurance buying guide. Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page.

Stephanie jun Anthony jun 2. Charlie aug Jessica aug 6. Karen jul 6. Quick service, great rates, good coverage! Robert may Colin aug 7. Lee aug Guardian has helped us save money and stay within our budget.

Brianna aug 9. Bonnie sep 1. Justin jun 2. Cody aug Jamar aug Lucy sep 8. Always there for your dental needs.

Gerald aug Easy enrollment. Very affordable. Great coverage for my dental needs. Alex aug 4. Morgan jul 7. The coverage is great. Clara apr Kai jun 3. Love everything about this company. Jill may Jenny aug Good coverage. Good rates. Jimmy sep 6. Mia sep 1. You will not need to go through the application process again in order to convert your policy. If you have questions or are interested in purchasing a life insurance policy through Guardian Life, their customer service department is available by calling GUARDIAN Once you have coverage, you can also reach out to your local financial representative with questions or if you need to make changes to your policy.

Each insurer is expected to receive a certain number of complaints each year, based on its size and market share. The national complaint index —which demonstrates the average number of complaints that a company is expected to receive according to its size—essentially has a baseline set at 1. If a specific company scores a complaint index below 1.

In , Guardian Life received a complaint index of only 0. In , they performed just as well with an index of only 0. This shows that Guardian Life consistently performs well in terms of consumer complaints, far exceeding expectations.

These ratings, provided by trusted and authoritative companies in the industry, can give you a good idea of whether an insurance company will be there when you need them most. In the J. Power U. Life Insurance Study , Guardian Life scored out of 1, points. This earned them a 14th-place ranking among 25 rated companies.

This study was based on a number of factors including overall customer satisfaction ratings, price, availability, products, and communication. In terms of financial stability and strength ratings, AM Best is arguably the best barometer. The price you will pay for life insurance coverage will vary greatly depending on any number of personal factors. The type of policy and coverage amount you choose will obviously impact cost, as will things like your age, location, medical history, whether or not you use tobacco products, and gender.

Note that for non-binary applicants , most insurers will go by your birth gender. The best way to find the right life insurance coverage for you is to compare a few different companies and quotes. These companies are two of the largest insurers in the country, both offering highly rated service to consumers in all 50 states, with a healthy variety of insurance plans to choose from.

Both offer service through agents, rather than being able to buy online, and each company provides dividends to certain policyholders each year. Additionally, both companies have a long history of paying dividends. Where Guardian gets a little bit of an edge is they have a lower complaint index.

This means you are less likely to be displeased with the service or the process. Guardian Life is a reputable life insurance company that delivers on its promise of protection.

It has ample products with riders available to handle just about any life insurance need. Prices are about average, but the company remains financially solvent and has paid policyholder dividends regularly since For consumers looking for flexible life insurance options up to the high age of 85, Guardian Life is a good pick.

Our reviews of life insurance companies are based on a quantitative approach that analyzes each insurer on their stability and reliability, customer service, claims experience, diversity of product lines, and cost.

We compare the terms of each type of policy offered—including available coverage amounts, optional riders, and premium payment options—with that of other major life insurance companies. Lastly, we look at how the company is rated by third-party organizations to determine its reliability and overall reputation.

Power Finds. AM Best.