If you’ve ever been sick or injured, you know how important it is to have health insurance coverage. Health insurance pays for things big and small, from a lab test that might cost $75 to a hospital stay for major surgery that could cost thousands of dollars. It gives you a sense of confidence knowing that no matter what kind of care or procedure you or a family member might require, you won’t have to worry about shouldering the cost on your own. There are three major types of plans to choose from: HMO, PPO, and High Deductible with HSA plan.

*For group plan business must have 2+ employees
*Neither Guardian nor its subsidiaries issue health insurance.

Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay bills, continue a family business and/or finance future needs for loved ones. The biggest benefit to having the right amount of life insurance is if tragedy strikes. The lump sum payment gives you or your loved ones options and financial confidence to do what is needed without the financial burden. There are three types of coverage to consider: Term, Whole Life and Universal Life.

*For group plan business must have 2+ employees

Your most important asset is your ability to earn a living. Think about it: All of your plans for the future—from buying a home to putting your kids through college to building a retirement nest egg—are based on the assumption you will continue to earn a paycheck until you retire. But what would happen if those paychecks stopped? That’s where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury.

*For group plan business must have 2+ employees

Key Person insurance is an insurance policy taken out by a business to compensate that business for financial losses that would arise due to the death or extended incapacity of the member of the business specified on the policy. The purpose is to compensate the business for losses and facilitate business continuity. Key Person Insurance can also be used to fund a deferred compensation plan or buy-sell agreement.

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. It is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.