Guardian Life
Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. Guardian and its subsidiaries had $41.3 billion in assets. Guardian provides services in insurance, retirement, investing, education funding, estate planning, and employee benefits. Description of company products below:
1) 529 Plans: 529 Plans combine features of prepaid tuition programs, custodial accounts, and other tax deferred savings programs. Contributions for each beneficiary can be significant depending upon the state's state plan. Clients can contribute $55,000 ($110,000 for married couples) in one year without having to pay gift taxes, as long as no other gifts are made to those children over the next five years.
2) Fixed Annuity: A fixed annuity provides defined growth of principal and interest, free from taxes until money is withdrawn. Fixed annuities generally guarantee a fixed amount of interest for several years; others guarantee rates from one to three years, and renew at the option of the insurance company.
3) Variable Annuity: Variable annuities are designed for people willing to take more risk with their money in exchange for greater growth potential. While there is more risk associated with a variable annuity, many variable annuities offer guarantees of principal and downside protection at an additional cost (depending on contract rider availability).
4) Critical Illness Coverage: Guardian offers comprehensive coverage: lump-sum benefits for six serious illnesses and events and per-diem benefits for hospitals stays for all other medical conditions.
5) Dental Insurance: Guardian offers plan designs including administrative services only (ASO), preferred provider organization (PPO), and pre-paid along with innovative features, such as Maximum Rollover and coverage for dental implants.
6) Life insurance: Plans include term life, accidental death & dismemberment (AD&D), and group universal life with value added options available such as LifeAssist, waiver of premium, and retained asset accounts.
7) Disability Insurance: Guardian offers plans for both short-term and long-term disability with benefit options, such as telephonic claims submission and pension contribution protection.
8) IRAs: Traditional and Roth provided.
| General Information | |
|---|---|
| Website | www.guardianlife.com |
| Type | Insurance Company |
| Founded | 1860 |
| Ownership | |
| Country | USA |
| Contact Information | |
|---|---|
| Address | New York, NY 10004 |
| Phone | 212-598-8000 |
| Fax | |
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