What we offer Advice & Guidance Get to know us Connect with us Login & Register Protecting my finances Assess your financial wellness and plan for the unexpected. What is financial wellness? Financial wellness can refer to your overall financial health. But it is about more than the size of your bank account. It’s feeling good about your financial situation and knowing what to do next with your money. It also applies to your ability to withstand an unexpected money crisis — like those caused by a bad economy or disability. Improve your financial wellness If money makes you stressed, you’re not alone: 78% of workers are living paycheck to paycheck.1 That’s why safeguarding your income in the event you are unable to work is a great way to help you rest a little easier. From a retirement strategy to a college savings program, planning ahead can help with all stages of your life. How do disability benefits help protect your finances? How do money issues affect mental and physical health? How can workplace benefits help with your finances? Next steps Get insurance when you have an illness Having a pre-existing health condition, such as heart disease, high blood pressure, diabetes, cancer, and kidney or liver disease doesn’t necessarily mean you will be denied life insurance, but it can create additional obstacles to overcome. You can simplify the process, limit delays, and obtain the best rate possible if you understand which financial representative to work with, what insurance provider best fits your needs, and policy types. An investment in your time upfront can save you time and money down the line. What if I have a pre-existing condition? How can a financial representative help? What does critical illness insurance cover? Next steps Help protect your income No one wants to worry about paying for the medical treatments that health insurance doesn’t cover, especially when they’re coping with an illness or injury. A solid backup plan to help protect your income can be essential. Here’s how to plan so you’re covered in the event of a health issue or accident. How do I help protect my finances in case of a health crisis? How do I help protect my income while recovering from a disability? How do I help protect my largest loan obligations? How much does it cost to help protect my income? Next steps Disclaimer 1 Forbes, https://www.forbes.com/sites/zackfriedman/2019/01/11/live-paycheck-to-paycheck-government-shutdown/#56e052f44f10 2 “The emotional effects of debt”, Debt.org, 2019 3 Stress can increase your risk for heart disease, University of Rochester Medical Center, 2019 * Financial information concerning Guardian as of December 31, 2018, on a statutory basis: Admitted Assets = $58.5 Billion; Liabilities = $51.3 Billion (including $44.3 Billion of Reserves); and Surplus = $7.2 Group Insurance coverages are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. 2019-85403 20211231 Customer Service Contact Us 1-888-Guardian (1-888-482-7342) Submit a Claim Resources Forms & Claims Find a dental or vision provider Find a financial representative Industry Professionals Find a Guardian benefits sales office Broker quote request New case implementation tracker Living Balance Sheet Terms & conditions Privacy policy Disclosures Data security Accessibility Telehealth NY Reg. 200 Confidentiality for domestic violence victims SEC Rule 606 Amendments to Broker Agreement State Disaster Updates Agreement to conduct business electronically © 2021, The Guardian Life Insurance Company of America, New York, NY. All rights reserved.