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Last updated July 30, 2009

About Guardian

Founded nearly 150 years ago, Guardian and its subsidiaries are committed to protecting individuals, business owners and their employees with life, long-term care insurance, disability income, medical and dental insurance products, and offer 401(k), annuities and other financial products and trust services. The company has more than 5,400 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

Guardian Life Says

Permanent life insurance comes in different forms to meet a variety of needs.

  • Whole life insurance usually has premiums that remain fixed for the life of the policy. Whole life insurance also builds a savings element since part of the premium is used to accumulate a guaranteed cash value. Dividends, which are not guaranteed, may also increase policy cash value.
  • Universal life insurance is a variation of permanent life insurance that offers flexible premiums and the choice of either a level or increasing death benefit. A component of whole life is when cash value builds within the policy. While there are guarantees built into the policy, the cash value is based on the performance of the company and on how much premium is paid.

Contact Guardian at:

The Guardian Life Insurance Company of America
7 Hanover Square
New York, NY 10004
Telephone: (212) 598-8000

Sources: "Who We Are", Guardian web site, 2009; "Product Portfolio", Guardian web site, 2009.