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MassMutual vs Guardian Life

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guardian life vs massmutual

Both MassMutual and Guardian make our best whole life insurance companies list due to each company’s excellent participating life insurance.

And both MassMutual and Guardian are mutual insurance companies, providing top of the line dividend paying whole life insurance policies.

In truth, both of these companies have striking similarities, in terms of company history and financial ratings.

Please take a moment to check out our comparison chart immediately below. You can also click on our review of each company for more.

Comparing ⟶ MassMutual Guardian Life

Year Founded

1851

1860

Company Structure

Mutual

Mutual

Pricing

$ $ $ $ $ $

Types of Policies:

Term Life

Whole Life

Universal Life

Final Expense

Ratings:

A.M. Best Rating

A++

A++

S&P Rating

AA+

AA+

Moody's Rating

Aa3

Aa2

Fitch Rating

AA+

AA+

Comdex Rating

98

98

BBB Rating

Not Accredited

A+

NAIC complaint Index

0.05

0.94

IBUSA's Overall Score

Company Review

Mass Mutual’s review

Guardian Life’s review

So, how can someone decide between Guardian Life vs MassMutual when it comes to whole life insurance?

That is not an easy answer to give. It comes down to policy design and performance.

Guardian Life is a captive company, so if you are interested in a policy from them you will need to contact a representative at Guardian Life.

We represent MassMutual and would be happy to provide your with an illustration so you can compare both Guardian Life and MassMutual and make the best decision for you, based on your unique needs and goals.

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