© 2022 The Guardian Life Insurance Company of America, New York, NY.
The Guardian Life Insurance Company of America (“Guardian”) does not own, operate nor is affiliated with Ladder Insurance Services, LLC. (“Ladder”). Life insurance is provided through a third-party arrangement between DTC GLIC, LLC and Ladder. Coverage may not be available in all states. Issuance of coverage through Ladder is subject to underwriting review and approval by the issuing life insurer. Guardian assumes no responsibility for non-Guardian products or services, including those offered by Ladder.
Ladder Insurance Services, LLC (CA license # 0K22568; AR license # 3000140372) offers term life insurance policies: (i) in New York, on behalf of Allianz Life Insurance Company of New York, New York, NY (policy form # MN-26); and (ii) in all other states and the District of Columbia on behalf of Allianz Life Insurance Company of North America, Minneapolis, MN (policy form # ICC20P-AZ100 and # P-AZ100). Only Allianz Life Insurance Company of New York is authorized to issue life insurance in the state of New York. Insurance policy prices, coverages, features, terms, benefits, exclusions, limitations and available discounts vary between these insurers and are subject to qualifications. Each insurer is solely responsible for any claims and has financial responsibility for its own products.
DTC GLIC, LLC., (DTC GLIC Insurance Sales, LLC in California) is an agent for certain third-party insurers through guardiandirect.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America and is a licensed agent for life, accident and health insurance products.