Financial Ratings
About Guardian Life Insurance Company
The Guardian Life Insurance Company of America is a mutual, policyholder-owned insurer founded in 1860 and headquartered in New York City . It offers a broad spectrum of life and health insurance, dental, vision, disability, annuities (fixed, fixed-index, variable), and retirement solutions . Known for strong financial backing and award-winning customer service, Guardian continues to emphasize stability, long-term reliability, and client-focused planning.
Financial Ratings
Live from CANNEXRating Agency
A.M. Best
Rating
B
Description
Fair
Effective
January 23, 2026
Rating Agency
Fitch
Rating
A-
Description
Strong
Effective
October 20, 2025
Rating Agency
Moody's
Rating
Aa3
Description
Excellent
Effective
November 6, 2025
Rating Agency
Standard & Poor's
Rating
A
Description
Strong
Effective
August 28, 2025
Rating Analysis
The insurer holds an A++ Superior rating from A.M. Best—their highest rating—affirmed on July 24, 2024, with a stable outlook.
Guardian Life Insurance Company Products
Fixed Indexed Annuities
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View Products→Multi-Year Guaranteed Annuities
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View Products→Immediate Annuities (SPIA)
View Guardian Life Insurance Company single premium immediate annuity options.
View Products→Deferred Income Annuities (DIA)
Explore Guardian Life Insurance Company deferred income and QLAC products.
View Products→Free Comparison Report
Get Guardian Life Insurance Company's rate comparison report
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