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Guardian Review

Guardian Company Overview

Customer Rating:
Rating: 1.597 Reviews Guardian has received an average of 1.5 stars out of 5 based on 97 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?



  1. Please select your insurance company from the following list:

  2. What insurance policy/policies do you have with this company?
    (select all that apply)
    Auto   Home   Health   Life   Other

  3. How long have you had a policy with this company?
    Less Than 1 Month
    1 to 6 Months
    6 Months to 1 Year
    1 to 3 Years
    Over 3 Years

  4. Overall, how satisfied are you, with your insurance company?
    Extremely Satisfied
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    Somewhat Satisfied
    Unsatisfied
    Very Unsatisfied

  5. How likely are you to renew your insurance policy/policies with this insurance company?
    Definitely
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    Might or Might Not
    Probably Not
    Definitely Not

  6. Would you recommend this insurance company to your friends and family?
    Definitely
    Probably
    Might or Might Not
    Probably Not
    Definitely Not

  7. Have you ever had occasion to file a claim with your company?
    YES   NO

  8. Please provide any comments about your insurance company that would be useful to other consumers.


                 


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

"Guardians handels my std and Ltd. When std expired I had to resubmit all paper work from doctor and surgeon. Std department had all this info but ltd couldn't make things less complicated and just pull the files over from std. Been a month now since iv seen a check. A game they play just to delay payment. Guardian claims 25% of working population will need a ltd claim. If you happen to be a part of 25 Expect to jump through hoops while you're sick injured."
Commented on 2019-06-08 08:26:04 EST
"This is one of the worst dental insurance providers. You start paying in June but their year started in January and ended in December. PURE JUNK. If I could stop the plan with my employer now, I'd do it."
Commented on 2019-03-07 10:50:29 EST
"Before I was dealing on no. 30, gold crown with root canel, denied after 0ver 40 years for replacement. Now it's 28 and 29 done in the 199o's or so, still want more x rays. Why would I go thru the discomfort for 3 crowns , if I didn't need them replace do to decay and gum line. They are terrible"
Commented on 2018-12-17 16:14:58 EST
"Scam artists Stay away, they don't pay legit claims"
Commented on 2018-12-11 20:54:05 EST
"I would give this company 0 stars if it would let me. I'm in the process of dealing with a claim that they are refusing to pay ANYTHING of. It was a deep cleaning that I was told and my dentist verified it would be covered. When I got my EOB and saw they denied it, I submitted an appeal. My dentist sent this in TWICE tried 3 different ways both time online, faxed, and mailed and Guardian says they never received it. So I uploaded the narrative myself online and then they magically got it. Took them 28 days to evaluate my appeal only for them to deny me AGAIN. Apparently, my deep cleaning wasn't deemed necessary even when I have 30% bone loss and sent in the proof LOL. I told them this is ridiculous and I want them to contact my dentist to get it resolved - even if they don't cover everything, something is better than nothing. They told me they can't and I had to submit the request in writing and wait ANOTHER 28 days. I called today to verify they received my written request and they are saying they never received it... AGAIN. This is a HORRIBLE company. I'd rather drop my dental coverage all together than stay with them, which is exactly what I plan on doing. Worst dental plan I've ever had."
Commented on 2018-11-08 13:27:46 EST
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