Amid rapid growth in retiree and gig worker populations, Guardian is broadening key insurance offerings available directly to consumers to support mind, body, and wallet® wellness
NEW YORK, March 31, 2025 /PRNewswire/ — As the nature of how, where, and when Americans work evolves, The Guardian Life Insurance Company of America® (Guardian) is expanding access to individual dental and vision products and launching a refreshed individual accident insurance policy.
Building on Guardian’s leadership as one of the largest providers of workplace dental insurance, these enhanced offerings are designed for Americans who otherwise don’t have access to, or aren’t eligible for, traditional workplace benefits. Whether for retirees, gig workers, freelancers, or other individuals, enhancements include:
- Expanding Guardian’s dental offerings with a new Premier plan available directly to individuals, ensuring even more Americans have access to Guardian’s 130,000-provider dental network—one of the largest in the country. The Preferred Provider Plan (PPO) has an annual maximum benefit of $3,000 and includes robust coverage for a wide variety of oral care needs, including teeth whitening and implants.
- Meeting market demand by introducing a simplified Dental, Vision, and Hearing bundle, bringing together three popular insurance plans in one easy-to-use offering. Guardian is providing the bundle in partnership with industry leaders Kelsey National and VSP Individual Plans, and it includes access to Guardian’s existing network of dental providers.
- Enhancing its individual accident insurance policy, which makes a benefit payment to individuals if they or their dependents have a covered accidental injury. The refresh makes Guardian one of the only carriers to provide this offering directly to individuals.
“Guardian’s Mind, Body, and Wallet® report indicates that half of Americans say they’d face a financial hardship if they did not have the benefits they receive through work,” said Mayra Garza, Head of Group Benefits Strategy and Retail Segment at Guardian. “The financial well-being that can be provided through benefits plays an outsized role in influencing overall wellness. Regardless of whether someone is exiting the workforce to enjoy retirement or taking their first steps as an entrepreneur, we’re committed to ensuring our customers have the insurance protections they need, when they need them.”
For more information, visit https://www.guardianlife.com/individuals-families/dental-insurance and https://www.guardianlife.com/individuals-families/accident-insurance.
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About Guardian
Guardian makes a difference in the lives of people when they need us most. With 165 years of stability and fiscal integrity, we are a trusted resource to generations of families and business owners, inspiring well-being and helping build financial confidence. Today, we stand behind millions of consumers, helping them prepare and plan for a bright future for themselves and their families. We help business owners care for their employees. And we help people recover and thrive in times of unexpected loss. As a modern mutual insurance company, we believe in driving value beyond dividends. We invest in our colleagues, are building an inclusive and innovative culture, and are helping to uplift communities through thoughtful corporate impact programs. Guardian, which is based in New York City, is a leading provider of life, disability, dental, and other benefits, and has received accolades for its culture and service. Our colleagues and financial professionals serve with care and experience, and our commitments rest on a strong financial foundation, which included a 2025 dividend allocation of $1.6 billion – the largest in the company’s history. For more information, visit guardianlife.com or follow us on Facebook, LinkedIn, and YouTube.
Disclaimer
Guardian® is a registered trademark of The Guardian Life Insurance Company of America, New York, NY. Copyright© 2024 The Guardian Life Insurance Company of America. All rights reserved.
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.
Financial information concerning Guardian as of December 31, 2023, on a statutory basis: Admitted assets = $80.3 billion; liabilities = $71.2 billion (including $58.0 billion of reserves); and surplus = $9.1 billion.
SOURCE Guardian
