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Deciding moments

Preparing for whatever life brings your way

We make a lot of tough decisions throughout our lives. In those deciding moments, having benefits that provide financial protection can help support your choices.

Couple on a roller coaster

Resources for open enrollment

  • 5 things to check before selecting your benefits - Smiling woman using laptop with son embracing her

    5 things to check before selecting your benefits

  • Couples – how to choose the right benefits - Couple laughing while looking at a laptop

    Couples – how to choose the right benefits

  • Getting the most for your well-being from work - Two people working together on their laptop

    Getting the most for your well-being from work

This guide can help you decide which insurance coverage options are most important for your personal situation. Find out which benefits your employer offers so you can begin looking at options and feel ready when open enrollment begins.

1 2022 Benefits Optimization report, Guardian Workplace Benefits Study, 2022

2 Dental Fundamentals, In-demand benefits that support well-being, Guardian, 2022

3  Guardian Workplace Benefits Study, 2023

Material discussed is meant for general information purposes only and is not to be construed as medical, tax, legal or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice.

Group Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.  Products are not available in all states.

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Use this guide to help determine what benefits are right for you, depending on your priorities

  • It’s time to make it alone and you’ve never been more excited! - Woman standing in a workshop on her phone

    It’s time to make it alone and you’ve never been more excited!

    But now you’ll face decisions about things that didn’t cross your mind before: budgeting, saving for your future goals, and even retirement.

    3 in 5 Americans would have to borrow to pay a $3,000 medical bill.¹

  • Consider new insurance options

    You may no longer have access to coverage on your parents’ or partner’s plan anymore, so spend time figuring out what your employer offers, and take advantage of getting benefits through work.

  • Get extra protection

    Look into the details of your health plan. Especially if it’s a high deductible plan, you may need some extra protection through your workplace benefits. Accidents and illnesses can happen at any age, and medical bills are expensive, even with insurance.

  • Start planning ahead

    Can you max out your 401(k) and pay for better benefits? It’s possible to do both with proper planning. Your benefits, like disability insurance, can help you protect your paycheck if you get too sick or injured to work.

Products to keep you prepared

  • Dental insurance - Icon - Dental

    Dental insurance

    Your oral health has a big impact on your overall well-being. Make sure your smile sparkles without breaking the bank.

    Learn more
  • Affordable coverage for your health - Hand holding money

    Affordable coverage for your health

    Stay in good health or add to your savings? You don’t have to choose. Accident, hospital indemnity, or critical illness insurance can help you more easily afford healthcare costs.

    Learn more
  • Life insurance - Icon - Life Insurance

    Life insurance

    It can help you cover financial obligations, like student loans, or give you a start on leaving your legacy to someone or something (like a charity) you love.

    Learn more
  • No matter your definition of family, we know it’s important to you. - Father and son playing and laughing together

    No matter your definition of family, we know it’s important to you.

    As your life changes, so do your deciding moments. Can I pay for that family trip and also get my dental work done? It’s important to carefully assess your benefits options at open enrollment and expand to accommodate whatever comes your way.

    89% of working parents say their children’s oral health is important to them.²

  • Cover your family

    Consider adding your partner and family to your dental and vision plans. These plans can help keep the whole family’s health in check, and when they’re offered at work, they can be very affordable.

  • Protect your paycheck

    As your family grows, don’t forget to review your life and disability protection. They can help protect your family if something happens to you.

  • Get extra financial protection

    Accident insurance can help protect your entire family, and it may even pay out a higher benefit if your child is injured while playing organized sports. With the rise in high deductible plans, this is an increasingly popular benefit for families.

Products for you and your family

  • Dental insurance - Icon - Dental

    Dental insurance

    We know you care about your kids’ oral health. Dental insurance helps protect the whole family’s teeth and overall health.

    Learn more
  • Life insurance - Icon - Life Insurance

    Life insurance

    As your family grows, take care of them by reviewing your life insurance to make sure you have the right amount to protect their financial future.

    Learn more
  • Supplemental health insurance - Hand holding money

    Supplemental health insurance

    Look for coverage like accident, critical illness, or hospital insurance to pay you directly when you or your family needs it most.

    Learn more
  • You’ve been working your whole life on building your legacy, and now’s the time to consider leaving one. - Mother hugging her two kids

    You’ve been working your whole life on building your legacy, and now’s the time to consider leaving one.

    As you get closer to retirement, your needs change. Don’t fall into the trap of auto-enrolling into your benefits at work.

    At least 72% of life insurance owners are underinsured, but most believe they have enough coverage.³

  • Evaluate your savings

    Re-evaluate your budget and take stock of your retirement savings to decide if you need to continue building your nest egg.

  • Keep your protection in place

    Make sure you have protection in place to take care of your overall health with dental and vision protection. Benefits like critical illness, hospital indemnity, and accident insurance also provide valuable protection from expenses that may not be covered fully by your health plan.

  • Leave your legacy

    Make sure the beneficiaries on your life insurance and 401(k) accounts are up to date. If you haven't done so already, draw up a will to identify how your assets would be distributed.

Products to support your health and wallet

  • Supplemental health insurance - Hand holding money

    Supplemental health insurance

    Accident, critical illness, and hospital insurance pay you directly, and can make it so you don’t have to choose between paying for your health and paying for those surprise expenses!

    Learn more
  • Dental insurance - Icon - Dental

    Dental insurance

    Your oral health has a big impact on your overall well-being. Dental insurance gives you access to preventive care to protect the whole you.

    Learn more
  • Life insurance - Icon - Life Insurance

    Life insurance

    You know life insurance helps you leave a legacy to the people and causes you love. Make sure you have the right amount of life insurance in place.

    Learn more