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Guardian Life

Headquarters: 7 Hanover Square
New York, NY 10004
Employees: 5,000
CEO: Dennis Manning
Website
: http://www.guardianlife.com

Mutually held company

Career Site

The Guardian Life Insurance Company of America is the fourth largest mutual life insurance company in the United States. As of December 31, 2005, Guardian had $24.8 billion in assets.

With more than 5,000 employees and 2,900 financial representatives, as well as over 80 agencies nationwide, Guardian and its subsidiaries protect individuals, businesses and their employees with life, disability, health and dental insurance products, and offer 401(k), financial products and trust services.

Guardian is a mutually held company.

In 2005, Guardian paid $5.6 billion in benefits across all lines of business.

History

Guardian was founded by Hugo Wesendonck in 1860 in New York. At the time, it was called the Germania Life Insurance Company of New York. Within two short years, the company began opening agencies across the country.

In 1868, Germania became the first U.S. insurance company to start an agency in Europe. By the early 1900s, almost half of its business was outside North America, until the pressures of World War I forced it to stop writing business in Europe.

In 1917, the company changed its name to The Guardian Life Insurance Company of America.

In 1925, Guardian converted from a mixed stock and mutual company to a wholly mutual company. The company has no stockholders or private owners. The policyholders own the company and profits are distributed to them in the form of dividends on policies. Guardian has paid dividends consistently for over 145 years its been in business.

Benefits

Health

Guardian offers national POS and PPO medical plans as well as HMOs in several locations. The dental plan assists you and your family with many expenses and emphasizes routine dental care and savings through a dental PPO. To encourage healthy eyes as part of your regular health care routine, Guardian offers comprehensive vision coverage through our Vision Plan.

Flexible Spending Accounts (FSAs) allow you to set aside money on a pre-tax basis to pay certain health care expenses not covered by other plans, including dependent day care expenses.

Work/Life Assistance Program

Guardian recognizes that personal and family problems can affect your life both at home and at work. To assist you and your family in getting the help you need, we've established the Work/Life Assistance Program, which consists of Employee Assistance, Child Care Assistance and Elder Care Assistance. Counselors are on hand 24 hours a day, 7 days a week to help you clarify your problem, identify options and develop an action plan. Services provided are confidential to the fullest extent permitted by law.

There is no cost to employees or family members for consultations with the Work/Life Assistance Program counselors. If you require a referral outside of the program for specialized needs, there may be a charge for these services. Some of these costs, however, may be covered by your Guardian health plan.

Income Protection

The disability coverage is designed to supply you with continuing income for short-term and long-term periods if you become disabled and cannot work. You are covered under life insurance provided by Guardian and have the option to purchase additional life coverage for yourself and spouse.

401(k) and Retirement Plans

The 401(k) plan offers you an opportunity to supplement your retirement income with systematic, tax-deferred savings in a variety of investment options, plus annual employer matching and special contributions. The retirement plan is non-contributory and provides you with additional retirement benefits and security by paying an income for life after you retire from Guardian.

Group Long Term Care

This plan is designed specifically to cover the costs associated with extended long-term care services for people who are unable to care for themselves. These services include assistance in the home with day-to-day activities as well as services in community-based setting, such as adult day care, an assisted living facility or a nursing home.

Updated April 1, 2006

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