Business Center

Employee Benefits


For over 50 years, Guardian has been a leader in employee benefits. Our full portfolio of products and programs & services enable companies to customize benefit plans to meet their needs. With multi-product discounts available and the ease of working with one carrier, it's no wonder Guardian is the carrier of choice for many businesses.

Guardian provides 6 million employees and their families with quality benefits.

Guardian is a Dental leader, offering a variety of plan designs including administrative services only (ASO), preferred provider organization (PPO), and pre-paid along with innovative features, such as Maximum Rollover and coverage for dental implants.

Guardian and its wholly owned stock subsidiary Berkshire Life Insurance Company of America offer flexible, creative solutions for both short-term and long-term disability with enhanced benefit options, such as telephonic claims submission and pension contribution protection.

Our plans include Term Life, Accidental Death & Dismemberment (AD&D), and Group Universal Life with value added options available such as LifeAssist, waiver of premium, and retained asset accounts.

A broad spectrum of health plans help keep members healthy and productive. We offer over 450,000 network providers, 4,200 facilities nationwide, and over 20 regional networks.

Eyecare is part of maintaining a healthy way of life. We offer a variety of comprehensive plan designs through two partner vendors: Vision Service Plan (VSP) and Davis Vision.

Voluntary Products (Worksite)
Guardian also offers employee benefits on a voluntary basis that allow employees to purchase additional coverage at work through the convenience of payroll deduction. Guardian offers the following popular products on a voluntary basis:

  • Dental
  • Disability
  • Life
  • Vision

These products are supported by a comprehensive set of services to make offering and enrolling in them hassle-free. Our worksite process focuses on full customer service support before, during, and after enrollment. Our philosophy is "You can let us do the work."

*Guardian does not offer group medical or health insurance.

Meeting companies' benefit needs nationwide

Guardian excels in handling the employee benefits needs of small to mid-size companies nationwide. With a long history of expertise in this market and a tenured sales force, we are well-equipped to meet the needs of the businesses we serve. The employee benefit demands of growing businesses are many, and they vary widely. We offer what other carriers can only do for significantly larger companies.

We offer services for Midsize-Large Group Sales and Small Group Sales (Benefits for 2-15 employees)

Securities products and services are offered through Park Avenue Securities LLC (PAS) 244 Boulevard of the Allies, Pittsburgh PA 15222 1.412.391.6700. PAS is an indirect wholly-owned stock subsidiary of Guardian. Neither Lifetime Financial Growth, LLC. nor Luttner Financial Group Ltd. are affiliates or subsidiaries of PAS or Guardian.


PAS is a member FINRA, SIPC.


The Information on this site is intended for the residents of Pennsylvania, Ohio, West Virginia, and Maryland. The financial representatives of Lifetime Financial Growth are not licensed to sell securities in all 50 states. To find out if an agent is licensed in your state, please contact Cheri McElroy at 412-391-6700.


We are licensed to sell Insurance in the following states: Pennsylvania,Indiana, West Virginia and Ohio.


Guardian, its subsidiaries, agents or employees do not give tax or legal advice.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2012, The Guardian Life Insurance Company of America


Guardian does not offer Property & Casualty and Individual Health nor do we provide services for them. Disability income and long term care insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Product provisions and features may vary by state.


Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.


This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.