Guardian Life Insurance Review

Everything you need to know about Guardian is here.

Is Guardian a Good Life Insurance Company?

For over 150 years, Guardian has helped individuals with their life insurance and disability insurance needs.

Over 29 million people have been helped, making this company one of the best life insurers in the market.

Financial Strength

  • AM Best – “A++”
  • Moody’s – “Aa2”
  • S&P – “AA+”
  • Fitch – “AA+”

Ratings as of 12/2020 and subject to change

With strong ratings and financials, Guardian seems poised for a long and bright future.

If you are looking for a company with similar financial ratings, check out New York Life Insurance Company.

How Easy is it to Get a Policy with Guardian?

Getting a policy is relatively easy through independent insurance agents and financial advisors.

Accelerated underwriting is available for some clients who meet the criteria.

This allows you to skip the paramed exam and labs.

Another option offered is the Rapid App Program.

You may purchase additional coverage with simplified underwriting and no exam or labs.

The Expanded Standard Program (ESP) offers buyers of whole life and universal life insurance a better rating class.

Are Guardian Policies Competitive?

Term life insurance, whole life and universal life insurance are available.

Guardian Term Life Insurance

  • Minimum Face Amount – $250,000
  • Minimum for partial conversions – $100,000
  • Term Lengths
    • 10-year term – 18-75 (74 for smokers)
    • 15-year term – 18-70 (70 for smokers)
    • 20-year term – 18-65 (65 for smokers)
    • 30-year term – 18-54 (49 smokers)
  • Riders Available
    • Terminal Illness
    • Waiver of Premium
    • Whole Life Purchase Option
    • Extended Conversion
    • Waiver Plus when used with Extended Conversion

Whole Life Insurance from Guardian

If you want whole life insurance, Guardian should be one of the top companies to consider.

The number of whole life options is impressive, including these products:

  • Life Paid-Up Options at 65, 95, 99, 121
  • 20 Pay Whole Life
  • Ten Pay Whole Life
  • Executive Strategies Whole Life
  • Achiever Gold Whole Life
  • Pension Trust Whole Life
  • EstateGuard Whole Life

For any whole life policy that you consider, we would provide you with the complete company illustration for review.

Universal Life Products include:

  • EstateGuard Survivorship Universal Life
  • Survivorship Universal Life Secondary Guarantee
  • Current Assumption Universal Life
  • Universal Life Secondary Guarantee

If you need universal life insurance, we’ll provide you with comparisons from multiple companies.

Does Guardian Provide Good Customer Service?

You may reach customer service at 888-482-7342

Guardian offers online life insurance account access – here

Guardian is located at 10 Hudson Yards – New York, NY 10001

Other Companies We Reviewed

Custom Life Insurance Quote In less than 5 minutes!

Step 1 of 9
  •, Life Insurance, Lakewood Ranch, FL

More Categories

Share this post


We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.


States Licensed (Life & Health Insurance)


Saved by moving to the best provider

Meet the Author - Michael Horbal

That’s me to the left. I’m the founder and owner of RiskQuoter. I hate the fact that many people pay too much for life insurance because they end up with the wrong life insurance company, agent or both.

That’s why I started RiskQuoter.

We’re here to help you get the best life insurance rates available.

There’s never any pressure or obligation with my life insurance service. Get the information you need to make an informed decision for yourself.

The best life insurance companies in the business are available here

Kind words from happy customers who have a lot to say about our service!

"Michael was very professional and followed up when necessary. He also found the best rates and coverage available."

Daniel P.

"I highly recommend working with Michael. He was incredibly patient with me throughout the process & I felt I had an advocate in him."

Alex F

"You made me feel very special and that my policy was important. Thanks, Michael"

LaShawn W

back to top