Life insurance is an important vehicle for providing financial protection for family and loved ones to help manage expenses in the face of loss. Because 3 in 10 employed individuals in the U.S. rely solely on group life insurance for their coverage needs1 , it is an important cornerstone to any company's benefits offering.

Employee demographics vary from company to company — and so will the life insurance benefit needs of each business. Guardian offers a range of flexible, creative plans to help safeguard against uncertain futures:

• Term Life
  Offered on a non-contributory, contributory, and voluntary basis, our basic life plans can be customized to meet both companies' bottom lines and the needs of their employees. Guardian offers a range of value-added options, including:
• Waiver of Premium (continuation of insurance while waiving payment of premium for employees who become totally disabled)
• LifeAssist (added financial security for employees who suffer a severe disability)
• Portability
• Accidental Death & Dismemberment (AD&D)
  Guardian's AD&D coverage for specific accidental losses can provide basic coverage or be enhanced to provide additional protection in qualifying situations.

1 LIMRA International, Group Life Insurance: Factors Affecting Industry Prospects, 2006