Announcing a record-breaking dividend
Guardian is pleased to announce a $1.6 billion dividend allocation to participating policyholders in 2025 — the largest dividend payout in our company’s 164-year history. Our Dividend Interest Rate (DIR) now increases to 6.10%.
Living our purpose: Guardian’s 2025 dividend
We remain committed to our purpose to inspire well-being®, prioritizing our policyholders in everything we undertake. We are broadening the ways we meet their needs throughout their lives by offering new products, services, and experiences. Our goal is to foster greater engagement, providing education, motivation, and empowerment to help people make decisions — big or small — that enhance their overall well-being — mind, body, and wallet®.
Click here to read the press release.
What is a dividend and what does it mean for me?
Dividends are determined by a company’s annual performance, often serving as an indicator of strength. Even during times of uncertainty, Guardian’s financial integrity hasn’t wavered. This year, third-party independent rating agencies reaffirmed our financial stability, and our composite Comdex score remained at 99, putting Guardian in the top 1% of carriers based on claims-paying ability.1
We share our clients’ long-term interests, which take precedence over market demands. That’s why our strategy will always be to invest for growth, while maintaining our financial responsibility.
Policyholders have several options once a dividend is paid, including:
Reinvesting it into their policies.
Offsetting future premium payments.
Collecting it as tax-efficient income.2
Using it to purchase additional coverage.
Reimagining mutuality
Our commitment to mutuality is one of the many ways we deliver on our values: We do the right thing, we believe people count, we courageously shape the future together, and we go above and beyond for those we serve.
When you purchase a whole life policy from us, you're not just a customer — you're an owner, which means benefits for you.
Future-oriented investing
Mutual companies like Guardian are with you for life, applying prudent, long-term investment strategies to earn you money for years to come.
Direct involvement in decision-making
It’s your money, so you should have a say about how it’s spent. At mutual companies, participating policyholders have a voice by voting at the annual meeting.
Shared profits
At mutual companies, profits can be paid to participating policyholders via dividends.
