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Guardian Review

Guardian Company Information

Customer Rating:
Rating: 1.569 Reviews Guardian has received an average of 1.5 stars out of 5 based on 69 user reviews.

Company History:
In 1860 The Germania Life Insurance Company of America was formed by 21 businessmen. The company changed its name to the Guardian Life Insurance Company of America in 1917. The Guardian Life Group includes The Guardian Life Insurance Company of America, The Guardian Insurance and Annuity Company, Inc., and Berkshire Life Insurance Company of America as well as some additional subsidiaries and affiliated companies. A 2001 merger with Berkshire Life Insurance Company added distribution and capabilities in th..Read More

Lines of Insurance:
Health, Long Term Care, Life, Disability

States licensed to sell insurance in:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Guardian Satisfaction Survey

Overall, how satisfied are you, with Guardian?


Contact Information for Guardian

Company Contact Info:
President/CEO   Deanna M. Mulligan
7 Hanover Square
New York, NY 10004
212-598-8000

Guardian Reviews and Customer Comments

"After working as an executive for nearly 30 years and seldom using a sick day let alone needing disability it happened I became disabled. Guardian is absolutely awful and completely unprofessional to deal with. They are great at marketing but MIA when it comes to honoring a claim. They lose your documents don't return calls continue to drain you with requests for additional documents. It is clear their objective is to wear you down and not honor their contractual obligations. Run don't walk if you are considering this company. They prey on people who are at their weakest and often most difficult times of life. There's no doubt it's in their DNA and strategic focus to find any way possible not to pay a claim. I'm shocked someone like Buffet would ever be involved. IAlso have Gieco and they couldn't be more different than Guardian not perfect but at least reputable and honest the opposite of their sister company. "
Commented on 2014-07-12 01:16:34 EST
"Guardian sucks"
Commented on 2014-04-21 10:15:24 EST
"Agents don't respond by the time they state on letters sent to me always unnecessary delays especially when employer backs employee claim"
Commented on 2014-04-18 11:13:13 EST
"Guardian will do anything to avoid paying a claim. In the past three weeks they denied a dental claim for a crown due to injury saying that our policy was canceled. It took a week to get that sorted out and it turned out that they were conveniently using a policy we had with them over 5 years ago even though they were given the new policy number. Once it was cleared up I had to get a crown fixed which due to injury had disintegrated totally. They denied this a second time because they said it hasn't been ten years yet. Now how would they know that unless it was from the canceled policy that they used to deny services last week? Furthermore the policy states ten years or injury and my tooth is totally gone. But guardian doesn't care. My dentist was horrified by their denial. They could not believe it and that is saying something since they deal with insurance all day. They even wrote on my form that the tooth is gone and can't be saved in bold. The end result is they will do anything to avoid paying. They seem to have a business practice of giving patients the run around. I'd like someone to subpoena their records to determine the percentage of claims paid versus those made. You are better off without dental insurance than having it with guardian. "
Commented on 2014-04-02 14:07:06 EST
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