About our company

Helping people protect what they love most — since day one.

View The 2025 Guardian Annual
Guardian employees meeting in conference room

Who we are

Guardian is making a difference in people’s lives across the US as a leading mutual company, providing life and disability insurance, dental and workforce benefits, retirement and wealth solutions. But we offer more than products.

We work with our customers to inspire well-being® — mind, body, and wallet®. Since 1860, when a community of immigrants joined together to protect their families and companies, we have embraced the spirit of mutuality as a mindset.

We provide solutions that build financial confidence for individuals, strengthen businesses, and help employees thrive. Working as your partner, we invest in you, holding ourselves accountable not to shareholders, but to your long-term well-being.

All of our colleagues share this mindset. Our collaborative culture extends beyond our workplace to uplift communities all around us. Because we believe value grows when it’s shared.

We're here for you today and we'll be here to deliver on our promises tomorrow. Our commitments rest on a strong financial foundation, which includes a 2026 dividend allocation of $1.7 billion, the largest in the company’s history.

Our equity and inclusion commitment: Expanding mindsets, changing behaviors, and creating stronger diversity through integration.

Equity & Inclusion

Learn more about how we fulfill our responsibility to the communities we serve.

Corporate social responsibility

Great work happens everywhere — on the go or in modern workspaces.

Where we work

Get the latest news and updates about Guardian.

Newsroom

Learn how we're fulfilling our purpose by living our values.

Code of Conduct

  • Financial highlights

    We maintain our financial strength so we can be strong for our customers. 

Leadership

Our management team is composed of people with diverse backgrounds and perspectives, helping us to better understand and respond to our consumers' needs. Guiding our team of 7,700 colleagues and more than 2,700 financial advisors, Guardian management enables the firm to prosper by staying at the forefront of the evolving marketplace.

Board of Directors

Our policyholders’ interests are at the heart of everything we do, and our Board’s primary responsibility is to maintain and operate the Company for their benefit. The Board provides corporate governance and general oversight of the Company to ensure we are delivering on our promises.

Learn about our Board of Directors

Corporate governance

Our commitment to strong corporate governance is a longstanding priority. We maintain a robust corporate governance structure to make sure that our Board of Directors is highly informed and able to make decisions that support the long-term interests of our policyholders.

Learn about our corporate governance

Subsidiaries and affiliates

Learn about our key subsidiaries and affiliates that have helped make us successful.

Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.

The total dividend calculation includes mortality experience and expense management as well as investment results. In addition, the Board established a minimum amount of dividend allocation — no less than $1.56 billion to be distributed in 2026 to participating life policyholders with policy dates as of January 1, 1984 and later.

Financial information concerning Guardian as of December 31, 2025, on a statutory basis: Admitted Assets = $93.8 Billion; Liabilities = $83.8 Billion (including $64.0 Billion of Reserves); and Surplus = $10.0 Billion. Financial information concerning GIAC as of December 31, 2025, on a statutory basis: Admitted Assets = $11.0 Billion; Liabilities = $10.3 Billion (including $4.1 Billion of Reserves); and Capital and Surplus = $0.7 Billion. Financial information for Berkshire Life Insurance Company of America as of December 31, 2025, on a statutory basis: Admitted Assets = $5.7 Billion; Liabilities = $5.5 Billion (including $1.2 Billion in Reserves); and Capital and Surplus = $0.2 Billion.