Guardian Disability Insurance
Guardian Life
4.5
All 50 states. A++ rated. Group + individual policies. Long-term specialist.
Editorial score
4.5 / 5
Product type
disability insurance
Our take
Guardian offers the broadest coverage area (all 50 states) with A++ AM Best financial strength. Both group and individual policies available through Berkshire Life Insurance Company. A top choice for long-term disability needs.
Pros and cons
Pros
- +Available in all 50 states
- +A++ AM Best financial strength
- +Group and individual policies available
Cons
- −Application process can be slow
- −Premiums above average for individual plans
Is this right for you?
Sign up (free) and we'll tell you if this product fits your specific budget and goals.
Check my fit →Takes 2 minutes · No credit check
Full details
| best for | Employees and individuals needing long-term disability coverage nationwide |
| headline metric | All 50 states |
| secondary metric | A++ AM Best rating |
| discount highlights | Group rates, multi-policy, annual payment |
Frequently asked questions
What should I compare besides premium for Guardian Disability Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is Guardian Disability Insurance right for me?
Guardian offers the broadest coverage area (all 50 states) with A++ AM Best financial strength. Both group and individual policies available through Berkshire Life Insurance Company. A top choice for long-term disability needs.
Related guides
Verified Apr 2026
Guardian Disability Insurance