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++ |
A++ |
|
AA+ |
AA+ |
|
Aa3 |
Aa2 |
|
AA+ |
AA+ |
|
98 |
98 |
|
Not Accredited |
A+ |
|
0.05 |
0.94 |
|
IBUSA's Overall Score |
||
Company 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.
