Guardian Life Disability Insurance Policy Review

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The time to think about protecting your income is not after you have been injured or become ill and are left unable to work. If you wait that long, it is too late.  According to the Council for Disability Awareness, 90% of disabilities are caused by an illness while 10% are the result of an accident. 

A 2011 U.S. Individual DI Risk management Survey reports that one in four 20-year-olds will suffer a disabling illness or injury before they retire.

With such statistics, it makes sense to do everything you can to protect your income. Guardian Life Insurance Company of America provides its customers with disability insurance products including individual, small business, employer and supplemental disability insurance plans.

Company Overview

Founded in 1860, Guardian Life Insurance Company of America is an old and trusted name in insurance. Originally known as Germania Life Insurance Company, the name was changed to its present company name in 1918. In 2001, Guardian Life merged with Berkshire Life Insurance Company of America which administers all of the company’s disability insurance products.

These insurance rating organizations give Guardian Life Insurance Company of America some of the strongest financial strength ratings in the industry:

Guardian Life Insurance Company of America also has an “A+” rating with the Better Business Bureau. The company offers a comprehensive line of financial and insurance products including life insurance, disability income insurance, annuities, investment and 401(k) plans, individual dental insurance and workplace benefit packages through more than 330 local offices across the United States.

Guardian Life Disability Insurance Plans

Individual Disability Insurance

  • What it is: An individual disability insurance policy replaces your income if you become injured or too sick to work. Even if you have a disability plan through your employer, this policy can supplement that coverage and pick up where your employer’s plan leaves off.
  • Who it’s for: This plan best suits individuals who are depended on for the family income and do not have disability insurance through work or perhaps need additional coverage.
  • Benefits: An individual disability insurance policy will replace a certain portion of your wages and also has options to cover retirement contributions and student loan payments.

Small Business Protection

  • What it is: This policy offers business income protection for small business owners who become disabled and cannot work.
  • Who it’s for: Small business owners concerned about protecting their business income.
  • Benefits: Customizable options to help you meet business expenses should you become disabled including employee wages and payments of business loans. You can also obtain funding to buy out a business partner who is unable to work due to illness or injury.

Basic Disability Offered by Employer

  • What it is: A plan offered to employees to replace lost income when the employee becomes disabled due to illness or injury.
  • Who it’s for: This disability income protection policy is provided by your employer.
  • Benefits: Can protected about half your income should you become disabled and unable to work.

Supplemental Individual Disability Income Insurance

  • What it is: This is a supplemental plan you can purchase through your employer to supplement the base disability policy offered.
  • Who it’s for: This plan is best suited for employees who want extra income protection in addition to the plan offer by an employer.
  • Benefits: You can protect your base salary as well as other types of income such as bonuses and other incentive compensation.  No medical exam is required to purchase.

The Bottom Line

Guardian Life Insurance Company of American has excellent financial strength ratings and an “A+” rating from the Better Business Bureau.

A standard benefit of the disability insurance policies offered through Guardian Life is that they are guaranteed renewable and non-cancellable. This means your policy premiums, benefits and contract terms are guaranteed for the life of the policy.


You also have the option of purchasing additional protection to cover any retirement contributions and to pay disability benefits to you for life if you are totally disabled. The company offers several different disability policy options to cover you no matter what you individual circumstances or life situation might be.

Contact Information

To receive a quote for a disability insurance policy or learn more about Guardian Life’s other insurance products, you can visit the Guardian Life Insurance Company of America website or call 1-800-441-6455 from 8:00 a.m. – 6:00 pm ET, Monday – Friday.