Skip to main content

Text Service Terms and Conditions

Guardian Direct™ may from time to time offer you the ability to enroll your accounts with us to receive periodic SMS text message alerts, or we may provide you with special account notifications. The following terms and conditions apply to the Service, and include instructions for how to use and cancel text messaging


Reply HELP in response to a text message you've received from us or call us at 1-866-569-9900 to receive assistance.

Reply STOP to any text message we send you and we will halt all text messages from Guardian Direct.

Terms and Conditions

Your enrollment or use of our Text Service constitutes your agreement to these terms and conditions. We may amend these terms, and modify or cancel the Service or any of its features without notice. Enrollment in the Service is not a guaranty that you will receive text messages from us, and we reserve the right to cancel some or all text alert elections applicable to your account, at any time.

You agree to provide us with a valid mobile number. You agree that we may send you text messages to that number through your wireless provider.

To begin receiving text alerts, you must enroll at Once enrolled, you will have the opportunity to confirm or decline the service via a reply to the initial text message you receive from 21920. By replying YES to this message, you are confirming a subscription to the Guardian Direct Alerts text program.

Message and data rates may apply.We do not charge you for any text messages we send, but you are responsible for all charges and fees associated with text messaging that may be imposed by your wireless service provider. Check with your service provider for details on specific fees and charges that may apply.

Notify us immediately of any changes to your registered mobile phone or device including changes to your carrier service. In case of unauthorized access to your mobile phone or device, or our Service, you agree to cancel enrollment associated with the phone or device immediately.

You may change your eligibility to receive certain alerts from us by logging in to your online account: In addition to replying STOP to the text messages you receive from us, you may also opt out of receiving text messages to your mobile device by calling us toll free at 1-866-569-9900.

You agree to indemnify, defend, and hold us harmless from any third party claims, liability, damages or costs arising from your use of the Service or from you providing us with a phone number that is not your own.

You agree that we will not be liable for failed, delayed, or misdirected delivery of any information sent through the Service; any errors in such information; any action you may or may not take in reliance on the information or Service; or any disclosure of account information to third parties resulting from your use of the service. We will not be liable to you for special, indirect or consequential damages.

Participating Carriers

AT&T, Alltel, T Mobile*, Verizon Wireless, U.S. Cellular, Sprint, Nextel, Boost, Cellcom, Cellular One, Cellular South, Cincinnati Bell, nTelos, Virgin Mobile, ACS Wireless, Bluegrass, Centennial, Cox Communications, ECIT - Cellular One of East Central Illinois, EKN - Appalachian Wireless, GCI Communications, Immix - PC Management, Inland Cellular, IVC - Illinois Valley Cellular, Nex-Tech Wireless, RCC/Unicel, Revol, RINA/All West Wireless, RINA/CTC Telecom-Cambridge, RINA/FMTC-Farmers Mutual Telephone Co., RINA/Nucla-Naturita Telephone Co., RINA/Silverstar, RINA/Snake River PCS, RINA/South Central, RINA/Syringa Wireless, RINA/UBET, West Central Wireless, MetroPCS.

*T-Mobile is not liable for delayed or undelivered messages.


The Guardian Life Insurance Company of America®
7 Hanover Square
New York, NY 10004-4025