Key Takeaways
- Guardian Life Insurance Company is a financial services company that specializes in selling life insurance and annuities.
- With high marks from all the leading credit rating agencies, Guardian Life is one of the most stable and reputable annuity providers around.
- Guardian Life offers variable and fixed annuities in terms of up to 10 years. Its variable annuities tap into market gains while its fixed annuities supply less profit potential but more long-term reliability.
- You can view the status of your annuity contract, including its performance, through the Guardian Life portal. You can also call the company at 1-888-482-7342 between Monday and Thursday from 8 a.m. to 6 p.m. Eastern and on Fridays from 8 a.m. to 5 p.m.
About Guardian Life Insurance
Guardian Life Insurance Company is one of the world’s largest life insurance firms, with 29 million customers around the globe. The company was founded in 1860 by German civil rights lawyer Hugo Wesendonck to provide access to life insurance for New York’s growing German immigrant community. In 2020, the firm celebrated its 160th anniversary.
While Guardian Life is primarily known for its life insurance products, its annuities have become integral to its business. Together, these products allow investors to ensure that their families have a measure of financial security before and after their death.
You can contact Guardian Life Insurance at 1-888-482-7342 from 8 a.m. to 6 p.m. Eastern time from Monday to Thursday and from 8 a.m. to 5 p.m. on Friday.
Credit Ratings
If you’re considering buying an annuity, first evaluate the financial strength ratings of the annuity provider you’re considering. Credit ratings are given by independent agencies to help buyers assess the financial health of an insurance company before making an investment. The rating reflects the company’s financial stability, so choosing a provider with high ratings is important.
Guardian Life Insurance holds exceptional credit marks from top credit rating agencies like AM Best and Standard & Poor’s. The company holds more than $11 billion in capital and is in an excellent position to honor its financial commitments.
| Credit Agency | Rating |
|---|---|
| Moody’s | Aa1 |
| Standards & Poor’s | A++ |
| AM Best | AA+ |
| COMDEX | 99 out of 100 |
Annuity Products Offered by Guardian Life Insurance
Guardian Life Insurance offers variable and fixed annuities.
Variable Annuities
Guardian Life has streamlined its product offerings, reducing its variable annuity portfolio from over a dozen options to a select two:
- Guardian Investor ProStrategies Variable Annuity
- Guardian Investor Pro-Freedom Variable Annuity
Both annuities give tax-deferred investment growth and death benefits to beneficiaries. They also come with an optional income rider to convert part of your principle into a guaranteed income annuity after you’ve owned it for two years.
Fixed Annuities
Guardian Life sells one fixed annuity: the Guardian Fixed Target Annuity. This product offers guaranteed interest for three to 10 years. Your interest rate depends on the length of the term you pick.
Interest rates start at 7% for the first three years of the term and gradually decrease after that. When your annuity reaches maturity, you can choose to renew it at a guaranteed 6% rate for a few more years. Annuities with an initial premium of more than $100,000 are also eligible for higher tiered interest rates.
Will You Be Able to Maintain Your Retirement Lifestyle?
Learn how annuities can:
- Help protect your savings from market volatility
- Guarantee income for life
- Safeguard your family
- Help you plan for long-term care
Speak with a licensed agent about top providers and how much you need to invest.
Client Resources
You can log into your Guardian Life account through the company’s online portal. Once logged in, you can view the specifics of your annuity. This includes information such as:
- Your payout amounts
- Which stocks you’ve invested in
- Your maturity date
- Your beneficiaries
You can also use the portal to change your annuity’s financial details, such as your premium amounts or your payout schedule.
To access your account, enter your User ID and password to log in to your Guardian Life account. If you’ve never used this service before, you must register for an account first.
However, you can’t use the portal to make non-financial changes to your annuity, such as changing your address or beneficiaries. To do this, you must download the appropriate form on Guardian Life’s website and mail the completed document to: P.O. Box 981592, El Paso, TX 79998-1592. If you send your forms by express mail, mail them to 5951 Luckett Court, Building A in El Paso, TX 79932.
If you have questions, speak to a Guardian Life advisor at 1-888-482-7342. You can also consult some of the many articles that Guardian Life hosts on their website. These articles offer advice on how to handle specific financial challenges, such as saving for college or protecting your finances from the effects of a disability.
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