Guardian LifeReviews of guardianlife.com

If you have the option to choose your dental or life insurance company, pick someone else. I do not recommend this company at all. I would change if I could. They denied my claim for a crown. How simple would you think getting a crown should be? I have two different dentists from two separate companies that both recommended a crown for my tooth, that was cracked. My dentist sent multiple letters and phone calls, and still this insurance company denied it. You can see they don’t care about the patient, we all know they care about $$. I have no other options, but to pay out of pocket. What I will do is make sure others are aware of how this company treats people, so that people can run the other way. Please share with anyone else that is contemplating choosing a dental or life insurance company. Don’t use guardian life insurance company of America.

If I could give 0 stars I would. I have guardian Ltd benefits through an employer. I have a disability, and I was initially approved for Ltd benefits. After a few months they had to do a “review”. I was cut from my benefits in July 2025. My medical condition never improved, in fact increasingly gets worse the older I get. My disability will never go away. I appealed the decision in July 2025. They’ve basically harassed my doctor for medical records, forms for him to fill out, more forms for him to fill out, as if I’m his only patient. Today 9/29/2025 I get a call from Tara the case worker saying that now my case needs a peer review. They drag their feet purposely, and for no good reason. I hate them so much.

Guardian rejected paying for claims for an exam for a broken filling because I had the exam done when I was in the office for a teeth cleaning. This despite the fact I had "100% coverage". Apparently doing something when it is both logical and convenient is not payable. But they sure do love their sports sponsorships on their Facebook page.

Misinformation was provided. Claims were denied. Customer service was absolutely horrendous.

They deny every claim. They claim out of network they cover 80% of work. When they do pay, it's more like 10-20%. I paid full price for cleanings which are supposed to be 100%. I have spent thousands of dollars out of pocket while they have only paid only $400 total, but charge me $60 a month for dental insurance and reject coverage on all of the procedures even ones that have no wait period or you have already passed the waiting period. They are a rip off. It's significantly more expensive to have this insurance opposed to paying directly out of pocket because they just constantly reject your claims or counter offer extremely low. Please do not get this insurance. I absolutely wish I never did. They are 100% a scam and I'm surprised they haven't been hit with numerous law suits by now.

This is, in effect, a Ponzi scheme. We had life insurance with them, and their "independent" financial advisors said that the value would grow with the market as a savings scheme, making it a tax-efficient way to save. If they continue to take in revenue then the value of their fund increases, framed as good for you, what they don't tell you is that you cannot access this, as the cash cow you are. Over the course of seven years, it has become clear that we are being utterly misguided. Their independent advisors are their sales people but are independent in that they cannot actually take any action when you need something, despite access. We are shown inaccurate representations in graphs, and nothing is in clear language. It is all intentionally disguised as good professional advice, but as we try to take our money out now, we are down 25% and the opportunity cost of 7 years.

This company is the biggest scam on the planet earth I wish I could give 0 start. company will not pay claims stay away from guardian insurance anything they have to do stay away I mean warranty life insurance dental stay away you been warned

My mom has been my live in caregiver since November 19, 2024 to present day. Her case worker had requested for her NPI number be added to my case and paperwork related to my disability claim. I’ve called customer service numerous times to have LaShondra contact me after being told I’m not allowed to call her directly or know her last name. Also, I’ve asked numerous times for an email to be sent with my account information. It has been weeks and no call back or email sent. Every time I call CS line I’m either met with an attitude, hung up on “accidentally”, or lied to by the representative. They pretend to put my request through and tell me to wait 24-48hrs. When nothing happens within that timeframe I have to callback and they act surprised. I don’t know what else to do or who else to call just to avoid the other representatives. They’ve made my post surgery experience extremely challenging and difficult these past few weeks.