Guardian LifeReviews of guardianlife.com

Hello, I'm writing this as a PSA to all NJ families looking for a financial advisor to help grow their hard earned money and set their kids up for the future. Do not by any means entrust your money to Agent James DeMatteo. This man bills himself as a certified financial planner and is a rep for the Guardian insurance company. I have extensive details for anyone who wants to contact me. The TLDR on him is that he is heavily incentivized to violate his fiduciary duties towards his clients and take away thousands of their dollars by manipulating them to sign up for "Whole Life" policies offered by Guardian. He attempts to obfuscate the cost of this policy (amounts that could range from 15-19k a year) by omitting the term yearly premium and using the more ambiguous "Cash Value Life Insurance" in the illustration of the policy. There are no formal sit downs to discuss the exact nature of the policy before signing, he sends you a flurry of documents to sign via email. Essentially, for a week or so, you are bombarded with many documents to sign, with most of these documents having to do with investments and not life insurance. His hope is that you are overwhelmed by the influx of information and just sign all the documents. Having obtained your signatures, he now has an email chain that covers his rear end and Guardian's; There is technically now proof that you understand completely what you are getting into, when in fact you have barely any idea. He works in gusto to attach you to these "Whole Life" insurance policies and makes himself rather absent in the crucial period of 10 days when you could still cancel the policy, failing to respond to emails, etc. The email chain that I mentioned is imperative because if you do end up contesting this with the Guardian company, they will refer to this email chain as proof that the agent acted appropriately and that you, the policy owner absolutely knew you were signing up for such a hefty commitment. James receives more than half of the premium you pay as commission, with Guardian getting the rest. Besides the insanely high premium these policies cost, they perform far far worse for families than term + percentages of your income devoted to investments. James never sat down and told me the difference of these coverages and strategies, he simply pressed a policy onto me that put a lot of money in his pocket while immediately straining my family's budget. He basically stole money that would have helped secure a future for my two sons and provide them with funds with whatever they needed should I pass away. I have an important and easy to understand PDF file showing you why the whole life policy is an inferior option for the policy owner vis a vis the term + investment strategy, I'll send it over to anyone who asks. Please do not make the same mistake I did; do not do any business with this man. His work details: NorthEast Financial Network 101 Crawfords Corner Road, Suite 2405 If you ever see this man at Bell Works, don't listen to a single word he has to say about financial planning. Avoid him like the plague.

My experience with Guardian Dental Insurance has been extremely frustrating. The customer service representatives I’ve dealt with have been unhelpful and, in some cases, have hung up as soon as I asked questions that required them to actually investigate or resolve an issue. The monthly premiums are far too expensive considering how low Guardian’s allowable amounts are. The value simply does not match the cost, and I feel that customers are left to deal with the consequences. Based on my experience, I would strongly recommend looking elsewhere for dental insurance. I would not recommend Guardian Dental Insurance.

Run away from this coverage! RUN! AWAY! They will change benefit plan provisions in the middle of the year. They will not communicate those changes with you. They will take your dentist off of their network. This is by far the worst dental coverage I have ever had in my life. And, when you call the toll-free number, you cannot even get Guardian's claims department, it is outsourced to an off-shore account. STAY AWAY!!!

The claims manager, Shayla Brown stated she did not have time to process of my claim because she was leaving for vacation. She closed the claim one day after opening. The corporate office stated that they were fine with this.

I'd leave 0 stars if I could. This company is a complete scam, don't donate your money to these liars and thieves because if the time comes that you actually need them, they will do every single thing possible in their power to make sure that you are ON YOUR OWN. Save yourself some time and money, choose literally any other company.

I had a short term claim that ran its entire 180 days. I was only contacted by a claim manager when my employer fired me. Guardian ignored fax confirmations and documents submitted by my medical team, until "days after" my claim timed out. Their words. All of the papers suddenly came through after the denial. I appealed and they want to wait from February till May to approve my STD claim, days after my surgery. Now, in my LTD claim, they are saying a 2024 yeast infection was proof that my endometriosis was pre-existing. Denied claim. Appeal in June and they refuse to send me the documents from my short term claim that I signed to receive in March, telling me to withdraw my appeal. They do not base their medical decisions on up to date diagnosis and treatment standards. They will twist your providers words for their benefit. Guardian takes all the time they want but will ignore you and impose unrealistic deadlines on you, that they themselves couldn't keep up with. I lost a kidney and bowel segments to endometriosis. I lost months of income and mental peace to Guardian.

Francis Lustre contacted me in response to my response to an Instagram post. He was excellent - not pushy at all, flexible around times, willing, and able to answer any questions. For the follow-up meeting, Francis was prepared and positive. I would highly recommend.

we wish to give this insurance company no star at all- but there is no option to choose so.the worst portal and customer services-