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About Us

For 159 years, Guardian has been providing high-quality insurance products to more than 20 million Americans.

Our Story

About Guardian Direct®

Our industry is changing – because the world is, too. Now, everyone cuts their own path. From self-starting entrepreneurs to self-sufficient retirees.  And for you, the old approach to insurance and financial planning isn’t cutting it anymore. You want options. Control. Access. Transparency. You want help choosing the best plan for you. That’s why we created Guardian Direct.

Portrait of Hugo Wesendonck, founder of Guardian Life Insurance.An old photo of a Guardian Life Insurance annual outing. A large group of people in suits and dresses are sitting and standing on a lawn in front of a stone wall.Old style Guardian Life Insurance policy certificate.The roof line of the Germania Life building, with a large Germania Life sign on the roof.

Our History

Guardian Direct may be new, but our beliefs aren’t. More than 155 years ago, Guardian Life Insurance was started by a civil rights lawyer named Hugo Wesendonck. His dream was to build a company that could offer quality care to everyone. Let no one fall through the cracks. Now, we’re carrying that torch into the future.

Our Mission

The Guardian Direct mission is to make Guardian insurance coverage easily accessible to everyone. The way we live and work is changing.  The way Guardian offers insurance needs to change too.  Our challenges, our dreams – they’re all unique. And everyone deserves a plan that’s right for them. Guardian Direct is here to help.

Our Values

Everyone Counts

To us, you're not just a policy or a plan -- you're a person.

Do the Right Thing

Your trust deserves honesty and integrity in return. It’s not "the high road," it’s the only road.

Be Accountable

We hold our products, services, and ourselves to the highest standard. If we make a mistake, we fix it.

Our Financial Strength


We’re backed by one of the insurance industry’s most stable companies. Guardian takes a smart approach to managing investments, achieving high financial strength ratings year after year, so we can keep our promises to our customers.

A.M. Best




Highest of 15 ratings




Very Strong

2nd highest of 21 ratings


Investors Service



3rd highest of 21 ratings

Standard & Poor's



Very Strong

2nd highest of 22 ratings

Comdex Ranking


Out of 100

The ratings of The Guardian Life Insurance Company of America® (Guardian) quoted in this report are as of December 31, 2018 and are subject to change. Comdex is not a rating, but a composite of all ratings that a company has received from the major rating agencies (A.M. Best, Standard & Poor's, Moody's and Fitch.) Comdex percentile ranks the companies, on a scale of 1 to 100 (with 100 being the best).

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