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Guardian Insurance | Everyone Deserves a Guardian

Benefits enrollment: how to prepare. Discover the 5 things you should investigate before making your annual benefits enrollment selections. Vision insurance: the basics. Learn what vision insurance is, why you need a vision care plan, and how much it could cost.

Actived: Sunday Jan 17, 2021

URL: https://www.guardianlife.com/

What is life insurance, and how does it work?

Details: A life insurance policy is an agreement between an insurance company and a person (or legal entity). Each life insurance policy is different, and each state’s laws regulating insurance policies are different. In general, most insurance policies identify the following:

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Guardian Insurance | Everyone Deserves a Guardian

Details: Benefits enrollment: how to prepare. Discover the 5 things you should investigate before making your annual benefits enrollment selections. Vision insurance: the basics. Learn what vision insurance is, why you need a vision care plan, and how much it could cost.

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Types of Life Insurance Explained | Guardian

Details: Life insurance really does protect the people you love. Just ask Joleen Mainz. For Joleen Mainz, life insurance was a professional passion and a personal necessity. See how Joleen was able to recover from family tragedy and debilitating injury using the protection offered by her insurance policies.

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Life Insurance: Which Type Is Best For You? | Guardian

Details: A life insurance policy is a contract with an insurance company. In exchange for a systematic payment or premium payments, the insurance company provides an amount, known as a death benefit, to beneficiaries upon the insured's death.

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How to Choose a Life Insurance Beneficiary | Guardian

Details: How are life insurance beneficiaries paid? There are typically two options for receiving the proceeds. A beneficiary can choose to take a lump sum (this is the most common choice); alternately, he or she can elect to receive payments in monthly installments or as part of an annuity, to help them manage their money.

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Dental PPO Insurance Plan Buying Guide | Guardian

Details: Another type of dental coverage is the health maintenance organization (HMO) dental plan. Much like a PPO plan, DHMO plans allow you to receive discounted dental coverage when you see a dental care provider within the plan’s network.

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Insurance Basics | Guardian

Details: An insurance policy helps to limit your financial burden if a covered event were to happen. Different types of insurance The more you know about the basics of insurance — how it works, coverage types, how much you need — the more clarity you’ll have.

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Supplemental Health Insurance Plans | Guardian

Details: Accident Insurance 3. Accident insurance provides benefits to employees for more than 40 different accidental injuries requiring treatment, urgent care, or hospitalization, including common injuries such as burns and fractures, or services during treatment and recovery such as ambulance transportation, physical therapy, and X-rays.

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Why You Need Accident Insurance | Guardian

Details: What does accident insurance cover?. Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football*.

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Vision Insurance for Employees | Guardian

Details: Individual Vision Insurance through Guardian Direct is provided by VSP and billing and premium collection services for such vision insurance are conducted by DTC GLIC, LLC (d/b/a DTC GLIC Insurance Sales, LLC in California). DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America ("Guardian").

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How to buy life insurance | Guardian

Details: First, you need to know what types of life insurance are available and the key components of a life insurance policy. There are two main types of life insurance: term life insurance and permanent life insurance, like whole life insurance.Term life insurance covers you for a set period of time, usually 10, 20, or 30 years.

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Your term life policy is expiring. Here are your options.

Details: While a universal and whole life insurance policy provide permanent coverage with a cash value component 1, a term policy is a pure life insurance product designed only to give your beneficiaries a payout if you pass away during the term. If your policy’s term is coming to an end, you can just let the coverage expire and go without life

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Life Insurance Riders Simply Explained | Guardian

Details: Life insurance policies last for decades – or even a lifetime – and you can’t really predict how things will change in that time.Your family may grow, along with your responsibilities. Your health could unexpectedly change. You may lose your ability to work at some point.

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Guardian - Insurance, Investments & Employee Benefits

Details: Critical Illness Insurance pays you a lump sum of say, 10, 20, even $30,000 depending on your diagnosis. And there’s additional recovery benefits available to help you get back to where you were. Plus, with the right plan, you may have access to additional wellness benefits for preventative services.

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Term Life Insurance | Guardian

Details: Life insurance can be confusing. Simply, there are several types of life insurance – term and permanent.Term lasts for a specific, pre-set period. Permanent lasts your entire lifetime. Depending on your needs, you may want the affordability of term life, which replaces your income and is most often used for temporary, short-term needs like your mortgage.

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Joint Life Insurance: Considerations Before You Buy | Guardian

Details: Generally speaking, it costs more to buy two individual $1,000,000 policies than to get joint coverage for $1,000,000, for obvious reasons: With two individual policies, insurance companies have a potential payout of $2,000,000, but with a single life insurance policy for two individuals, the total payout is only half as large.

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Whole life insurance: How to buy the best policy for you

Details: 12 Universal Life Insurance may lapse prematurely due to inadequate funding (low or no premium), increase in cost of insurance rates as the insured grows older, and a low interest crediting rate. This does not apply to universal life policies which have a secondary guarantee, but if the secondary guarantee requirements are not met the policy

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What are the benefits of life insurance?

Details: All life insurance can give you financial confidence that your family will have financial stability in your absence. But generally, the more life insurance you have, the more benefits it will provide to your family when needed. For example, some people receive a nominal amount of life insurance – say $25,000 – through their workplace.

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HIV Life Insurance Coverage - How to Qualify | Guardian

Details: Whole life insurance is a type of life insurance that provides a permanent death benefit, as long as you keep your payments up-to-date, and you can build up cash value within your policy. 1 This can represent a source of financial confidence that can be valuable over your lifetime.

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Life Insurance Death Benefits: What You Need to Know

Details: There are a lot of different kinds of life insurance: A policy can be temporary, or last a lifetime.It can have a cash value component – or not. But the one defining feature shared by all life insurance policies is a death benefit.It’s the primary reason to get life insurance, and how policies are almost always described: when someone says they have a $100,000 policy, it really means they

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Disability Insurance For Physicians Buying Guide | Guardian

Details: The best disability insurance for physicians plans include a true own-occupation definition of disability, and they should work with a financial to tailor the other terms and provisions of the policy to their needs. Should I get a disability insurance policy as a resident? Disability insurance for residents is a good idea.

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How To Get Dental Insurance | Guardian

Details: There’s more to dental insurance than a great smile. As it turns out, Guardian’s 2017 “Dental Benefits: A Bridge to Oral Health and Wellness” study shows the health of your teeth has a direct link to the health of your body overall.The best way to ensure teeth stay healthy is to regularly visit the dentist.

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What does Long Term Disability Insurance Cost | Guardian

Details: Long term disability income insurance is designed to protect your income if you cannot work due to illness or injury. Yet, a common misconception about disability income insurance is that its sole purpose is to cover against catastrophic events resulting from accidents.

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Infographic: Life insurance - the basics | Guardian

Details: 3 All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.

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Employee Benefit Terms to Know - Guardian Insurance

Details: Deductible - The dollar amount you’re responsible for paying before the insurance plan starts to pay. Coinsurance - Your share of the cost of a service (usually a percentage), after you’ve met or paid the plan’s deductible. Copayment - A fixed dollar amount for things such as a doctor visit or prescription drug that you must pay at the time you receive the service.

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Life Insurance Tax Benefits - Whole Life | Guardian

Details: In simple terms, life insurance provides a payment of money to your loved ones if you pass away. While there are multiple types of life insurance, whole life is a form of permanent life insurance that comes with many features. Whole life insurance benefits you for your entire life, as long as you keep your payments up to date.

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Disability insurance: What it is and why you need it

Details: Short-term disability insurance; Also called STD, this policy is for temporary disabilities and is designed to replace 60-80 percent of your income for a short period of time: typically 3-6 months (and almost never more than a year), or until you can get back to work. Long-term disability insurance

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Cancer Insurance for Employees | Guardian

Details: Cancer insurance is an employee benefit that can complement your other insurance offerings. While, most people can appreciate the importance of having health and disability insurance, the costs of cancer can go well beyond what they cover. Cancer insurance may be an affordable way to provide additional funds to help cover out-of pocket expenses.

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The Risks of Facing Cancer Without Insurance | Guardian

Details: Cancer insurance provides affordable financial confidence Cancer insurance is an employee benefit that complements your other insurance offerings by helping to pay many out-of-pocket medical expenses, and the income lost when a worker’s steady paycheck is partially replaced with a disability income insurance payment.

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How Supplemental Health Insurance Works | Guardian

Details: Guardian's Cancer Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage.

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Checklist for Choosing a Dental Insurance Plan | Guardian

Details: Insurance companies will offer different plan levels but don’t assume that the lowest cost plan is the best value. Look at what is covered, like fluoride treatments, orthodontists, implants, etc. If you think you might need a crown or root canal, a higher-level plan is certainly worth considering.

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Life Insurance: Get An Affordable Online Quote | Guardian

Details: There are other types of life insurance for people in different situations, but this quote is for term life insurance, specifically a medically underwritten level term life policy: premiums stay the same for the entire length of the term, and you have to undergo a medical test to determine (or confirm) your premium cost.Term is one of the two main types of life insurance – the other is

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Term vs. whole life insurance: Which is right for you

Details: A term life insurance policy is exactly what the name implies: It’s a policy that provides coverage for a specific term or period of time, typically between 10 and 30 years. It is sometimes called “pure life insurance” because unlike whole life insurance, there’s no cash value component to the policy – it’s designed purely to give your beneficiaries a payout if you pass away during

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Work With Us - Guardian Insurance

Details: Learn about careers at Guardian, discover what it’s like to work at Guardian, and browse current job openings

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Whole Life Insurance | Guardian

Details: Whole life insurance is a type of permanent life insurance that helps protect your loved ones in the future and your finances now. Whole life insurance policies offer two primary benefits: a guaranteed death benefit paid to your beneficiaries when you pass away, as long as you continue to pay the premium, and a cash value that can be withdrawn or borrowed from during your lifetime. 1,2

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How much life insurance do you need?

Details: Life Insurance coverage is an important part of everyone’s financial plan – but not everyone needs the same life insurance coverage.Your situation, obligations, and priorities are unique to you, and the amount of life insurance you need reflects that.

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Login - Guardian Insurance

Details: Disability insurance policyholders; Login to Guardian Life Register. Help me: Login to Other Properties. Guardian Direct. Manage coverage purchased online. Park Avenue Securities. Manage your brokerage account. Dental Exchange. Manage coverage through the exchange. Vision Provider Portal (Avesis)

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What is cash value? - Guardian Insurance

Details: The cash value in your life insurance policy can be withdrawn or borrowed against, and there are several different approaches when deciding which way to use the money. 4 You may be able to get a bank loan by using your policy’s cash value as collateral or borrow against the policy’s cash value to put a down payment on a house. Or you may want to withdraw money from the policy to help pay

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Why Employers Should Offer Accident Insurance | Guardian

Details: That’s why accident insurance can serve as a sensible way to help employees cover expenses that most medical plans won’t. As the health insurance market shifts more responsibility to individuals through higher out-of-pocket costs, you can help your employees avoid financial hardship without increasing costs to your company.

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What is the Best Type of Disability Insurance For You

Details: A disability insurance policy is a binding contract with an insurance company to pay a specific monthly benefit while you are disabled. Every disability contract defines these five things: Premium: The amount you (or your employer) pay for coverage. Benefit: The amount you get each month when you are unable to work. In an individual LTD policy

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Travel Related Insurance Protection | Guardian

Details: Guardian’s Travel Related Insurance Protection (TRIP) combines emergency travel and medical assistance with the added protection that comes from Guardian Life Insurance and Accidental Death and Dismemberment (AD&D) coverage. No matter if you are 100 miles or over 5,000 miles away from home, Guardian can help you be prepared.

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Guardian's Waiver of Premium - Guardian Insurance

Details: The Waiver of Premium rider maintains your life insurance coverage while you are unable to work, freeing up cash flow for other critical needs. And, with a whole life policy, your cash value is guaranteed to grow. In this way, a whole life policy with Waiver of Premium is a unique, self-completing financial asset.

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Guardian Group Benefits for Brokers - Guardian Insurance

Details: The College Tuition Benefit is not an insurance benefit and may not be available in all states. Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Customer Service. Contact Us. 1-888-Guardian (1-888-482-7342)

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What a Cancer Insurance Policy Covers | Guardian

Details: A cancer insurance policy is an employee benefit you can offer to enhance your benefit package and help attract and retain employees. More importantly, cancer insurance can make a real difference in an employee’s life. Even with health insurance, cancer brings many out-of-pocket expenses that may not be covered.

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How Term Life Insurance Works | Guardian

Details: A term life insurance policy is the simplest, purest form of life insurance: You pay a premium for a period of time – typically between 10 and 30 years – and if you die during that time a cash benefit is paid to your family (or anyone else you name as your beneficiary).

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Benefits of Life Insurance for Women | Guardian

Details: The life insurance gender gap could cause additional financial hardship for families grieving the loss of a loved one. According to a recent study by Life Insurance and Market Research Association, only 56% of women have life insurance, compared to 66% of men.

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Universal Life Insurance: What It Is, How It Works | Guardian

Details: Universal life insurance vs. term life insurance Term life is the simplest, purest form of life insurance protection: You pay a set monthly premium for 10, 15, 20, or 30 years, and if you pass away during that term, a benefit is paid to your family.

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Group Life Insurance - Broker Information l Guardian

Details: Life insurance can help protect what's valuable to employees and is an important part of financial wellness. You can help more clients offer a comprehensive benefits package that not only sets their employees on a path toward added financial independence but also helps employers.

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How cancer insurance helps when it's needed most | Guardian

Details: Guardian's Cancer Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form number #GP-1-CAN-IC

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Guardian Group Benefits Quotes - Guardian Insurance

Details: Guardian's goal is to provide optimized benefits solutions that are customized to meet each of your clients' unique needs. Request a group insurance quote here.

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