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Guardian Review

Guardian Company Overview

Customer Rating:
Rating: 1.591 Reviews Guardian has received an average of 1.5 stars out of 5 based on 91 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
    Very Satisfied
    Somewhat Satisfied
    Unsatisfied
    Very Unsatisfied

  5. How likely are you to renew your insurance policy/policies with this insurance company?
    Definitely
    Probably
    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

"I currently have Dental Insurance with Guardian through my Employer. In the past 6 months I have had 2 Claims denied. One for a Crown and a Build up on a tooth that broke off. When my Dentist filed that Claims both denied. My Dentist has filed Appeal Letters....with no reply back from Guardian, my Dentist had sent a letter requesting a call back from a Consultant, and one will not call back. I myself have contact Guardian and have talked to a number of Representative, and Appeal Letters, and keep getting the run around. I am done with the run around I get from Guardian and am sending a Grievance Letter to the Insurance Commissioner in my State. I have NEVER...EVER..had a problem with Delta Dental when Insured under my husband Insurance prior to his Retirement. But Guardian has been a total JOKE of a Insurance Company."
Commented on 2018-05-30 20:08:43 EST
"Guardian dental insurance claims that it gives the insured 1500 annually but out of this money they pay only 2 regular dental cleanings which must be 6 months apart.Deep cleaning is covered only 50% and also two six months apart.Everything else is denied under all kinds of policies.I have this insurance through my employer so basically I cannot do anything about it.It's like not having dental insurance at all since it costs me more per year than paying out of pocket for the dental work that Guardian covers. Avoid Guardian like plague..."
Commented on 2018-03-25 10:28:27 EST
"If you are going to file a Short Term claim, you better be on your death bed...otherwise...GET A LAYWER"
Commented on 2018-01-26 23:12:52 EST
"i was paying for Guardian Dental, accident , and short term disability insurance through my job. Only once they have paid out on a claim and in the system it stated that I was waiting for the next payment cycle to get paid,keep in mind I was on bed rest for 5 day however they seen that I wasn't going to renew my membership so they denied me. Find a better company as Alfac always take care of there customers."
Commented on 2017-12-06 14:13:15 EST
"This short term disability insurance is a joke. I choose to pay it and they say one check in four months. I am just as well off with out it but I guess they need the money I pay for there own use I you are offered this disability insurance through your work I advise you to look else where they gladly take your payment but they also keep it when you need it They are not worth your time or money"
Commented on 2017-08-05 12:09:00 EST
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