Innovation continues to transform Guardian. Improving processes and developing new platforms, partnerships, products, and technologies enables us to deliver best-in-class services that support customers, members, and colleagues, and meet their evolving needs from one year to the next.

In 2022, we made our digital platforms more customer-centric, empathetic, and modern. We made it easier for customers to get things done — for example, issuing payments more quickly by processing millions of transactions automatically. And we added novel services, including ways to access precision mental health care and end-of-life grief support.

As proud as we are of the year’s accomplishments, we believe in innovation as an operating principle. We’re continually looking for bold new ideas to reinvent our business and serve our consumers even better.

Spring Health

Eliminating barriers to mental well-being

Meet Spring Health

People should have access to the right care at the right time.

April Koh
Co-founder and CEO, Spring Health

Meet Chrissy

I couldn't ask for a better outcome for my child. They’re getting the support they need.

Chrissy Geraci
Senior Marketing Manager at Guardian

Highlights:

We streamlined the user experience of our Guardian Anytime site, which delivers information and services to members, providers, employers, and brokers.

We integrated Spring Health, a leading innovator in mental health care, into short-term disability claims and other processes, allowing us to offer individuals quick access to counseling and other mental health resources when they need it most.¹² The partnership grew Spring Health subscribers last year by 150,000.

We joined with the grief support app Empathy to help individuals filing for life insurance benefits after the loss of a loved one.¹³ It helps users with mental health counseling, funeral planning, and more. Family members and friends can access the platform through a mobile app, extending Guardian’s support more broadly.

We partnered with Nayya, a guided virtual enrollment platform that helps employees select the right benefits. Powered by AI and data science, Nayya Choose simplifies the benefits enrollment process by providing personalized recommendations based on demographics and lifestyle.¹⁴

With EVERFI, Guardian co-developed a pioneering financial curriculum for high school students, Minding Your Money: Skills for Life™, and continued to support The American College of Financial Services and its new Center for Economic Empowerment and Equality® in its effort to close the wealth gap for underserved communities. Read more about Guardian’s community work.
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We also innovated with our financial resources, finding ways to use them more efficiently in pursuit of our strategic goals. Read more about Guardian’s financial highlights

¹Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.

²Financial information concerning Guardian as of December 31, 2022, on a statutory basis: Admitted assets = $76.0 billion; liabilities = $67.2 billion (including $55.0 billion of reserves); and surplus = $8.8 billion.

³ https://www.moodys.com/research/Moodys-upgrades-Guardian-Aa1-IFS-outlook-changed-to-stable--PR_1000006661

⁴Comdex is not a rating, but a composite of all ratings that a company has received from the major rating agencies (A.M. Best, Standard & Poor's, Moody's, and Fitch). Comdex percentile ranks the companies, on a scale of 1 to 100 (with 100 being the best). Ratings are as of December 31, 2022 and are subject to change.

⁵J.D. Power 2022 Certified Customer Service Program^SM recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/ccc.

⁶ https://www.guardianlife.com/about-guardian/jd-power-and-dalbar-recognize-guardian-teams-exceptional-customer-service

⁷J.D. Power 2022 Certified Customer Service Program^SM recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/ccc
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⁸Jeffrey Howard is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Consolidated Planning, Inc. is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #0I59057.

⁹Pet wellness benefits are provided through a third-party arrangement between Guardian; as distributor, and Wagmo, Inc., (Wagmo). Pet wellness is not an insurance benefit and is offered separately and distinctly from insurance.

¹⁰ https://www.guardianlife.com/about-guardian/customer-service-awards

¹¹Asghar Kazim is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 355 LEXINGTON AVE, 9TH FLOOR, NEW YORK NY, 10017, 212-2611850. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Wealth Advisory Group LLC is not an affiliate or subsidiary of PAS or Guardian. Wealth Advisory Group LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. CA Insurance License #0C53306, AR Insurance License #703269.

¹²Mental wellness benefits discussed herein are provided by Spring Care, Inc., d/b/a Spring Health (“Spring Health”), 251 Park Avenue, South, 6th Floor, New York, NY 10010. Spring Health is not an insurance benefit. Insured products are offered by The Guardian Life Insurance Company, New York, N.Y. (“Guardian”) which has a financial interest in Spring Health. Spring Health may not be offered through Guardian in all states.

¹³Empathy is not an affiliate or subsidiary of Guardian.

¹⁴All benefits administration services advertised herein are performed by Nayya, an independent service provider that is neither a subsidiary nor affiliate of The Guardian Life Insurance Company of America. Guardian is neither responsible nor liable for the performance of these services. Nayya is neither a subsidiary nor affiliate of The Guardian Life Insurance Company of America.
2023-152830 Exp. 3/25

Innovation &

transformation

Spring Health

Eliminating barriers to mental well-being

Meet Spring Health

Meet Chrissy

Highlights: