Business Center

Employee Benefits

Small Group Sales

Small businesses have unique needs. That's why Guardian established a special sales unit dedicated to serving employers with 2-15 employees. Staffed by small business benefits experts in three national offices (Bethlehem, PA, Bridgewater, MA, and Phoenix, AZ), Guardian SGS ensures that small businesses get the attention they deserve.

We offer Medical, Dental, Life, Disability, and Vision coverage. Here are some of our recent product enhancements…

Expanded Dental Maximum Rollover to cases with two lives. This feature allows members to roll over a portion of their unused annual maximum for future use.

Guaranteed issue is now available. For cases with 2-5 lives, we'll guarantee issue at $25,000, and for cases with 6-9 lives, we'll guarantee issue at $50,000.

Rate guarantees on long-term disability. For cases with 2-9 lives, we offer rate guarantees for 1, 2, and 3 years.

We provide a variety of services to make it easier for small businesses to meet the insurance needs of their employees…

Fast service. Our customer response unit responds to employer questions, proposals are sent within 72 hours, and calls are returned promptly.

Dedicated staffing. Special teams manage small group renewals and underwriting, so our internal processes are completed quickly and accurately.

Cost efficiencies. Streamlined billing options and multi-lines discounts save employers time and money.

How we can help you…

If you're a broker, offering Guardian SGS will help you attract more clients because of our big company benefits and flexible plan options. You'll also get greater commissions for increased production via our SPC compensation program. If you're an employer, choosing Guardian will enable you to provide your employees with affordable, quality employee benefits.

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 Darlene Lucas 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 logo is a registered trademark of The Guardian Life Insurance Company of America (Guardian), New York, NY. Patent pending. The trademark The Living Balance Sheet and the content and graphics in this website which relate or refer to The Living Balance Sheet system are used under license from Guardian.

 

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.