Frequently Asked Questions

What are dividends in a Whole Life policy?

Guardian is a mutual life insurance company, operating for the benefit of participating life policyholders who share in the company's results, in part, through the payment of annual dividends1. Unlike stock-based companies, there are no outside shareholders, so the company is managed to maximize the long term interests of its clients. While dividends are not guaranteed, Guardian has paid dividends to participating individual life policyholders every year since 1868 -- through good and bad economic times.

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