MassMutual vs. Guardian Life Life Insurance for 2025 (Best Value Revealed)
With rates starting as low as $18 per month, deciding between MassMutual vs. Guardian Life life insurance can be difficult. Both companies offer similar policy types, though MassMutual has a few more options. However, Guardian Life is a better choice if you need no medical exam insurance.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jan 15, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 15, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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0 reviewsTrying to decide between MassMutual vs. Guardian Life life insurance? Both companies come highly recommended, so you’ll need a little research to make the best decision.
Deciding between Guardian vs. MassMutual can be difficult because both companies offer many of the same benefits and count as some of the best life insurance companies on the market. For example, both companies offer dividend payouts on certain policies.
However, MassMutual may be a better option if you want to pay less, while Guardian Life has better no-exam choices.
MassMutual vs. Guardian Life Life Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 3.6 | 3.8 |
| Business Reviews | 4.0 | 4.2 |
| Claim Processing | 3.0 | 3.5 |
| Company Reputation | 4.0 | 4.0 |
| Coverage Availability | 5.0 | 4.5 |
| Coverage Value | 3.5 | 3.7 |
| Customer Satisfaction | 2.5 | 3.0 |
| Digital Experience | 4.0 | 3.8 |
| Discounts Available | 5.0 | 4.5 |
| Insurance Cost | 2.6 | 2.8 |
| Plan Personalization | 3.5 | 3.6 |
| Policy Options | 4.5 | 4.2 |
| Savings Potential | 3.4 | 3.6 |
| MassMutual Review | Guardian Life |
Read on to explore our MassMutual vs. Guardian Life review to see which company is right for your life insurance needs. Then, enter your ZIP code into our free life insurance comparison tool to find affordable rates.
- MassMutual and Guardian Life sell similar life insurance policies
- Guardian Life has better choices for no-medical-exam policies
- MassMutual is typically a cheaper choice than Guardian Life
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Comparing Costs: MassMutual vs. Guardian Life Life Insurance Rates
One of the most important aspects of life insurance is how much it costs. Generally speaking, MassMutual life insurance quotes are a bit cheaper than Guardian Life. Take a look below to see how much a life insurance policy might cost you.
MassMutual vs. Guardian Life Term Life Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 25 Female | $18 | $20 |
| Age: 25 Male | $22 | $24 |
| Age: 35 Female | $24 | $26 |
| Age: 35 Male | $28 | $30 |
| Age: 45 Female | $50 | $55 |
| Age: 45 Male | $60 | $65 |
| Age: 55 Female | $110 | $120 |
| Age: 55 Male | $130 | $140 |
Like any other type of insurance, there are many factors that determine the price of your life insurance. One of the most important is the type of policy you buy. Both companies sell a variety of policies, with some costing more than others.
Ty Stewart Licensed Insurance Agent
Whether you want the best whole life insurance or affordable term life, the easiest way to find a plan that meets your budget is to compare prices. The good news is that comparing life insurance quotes is simple. MassMutual and Guardian Life offer a quote request form on their websites.
Simply fill out this quote request form to get the process started. If you don’t want to spend the time filling out multiple request forms, try a free online quote comparison tool to see multiple rates at once.
Keep in mind that you may purchase insurance from a company with a slightly different name, depending on where you live. For example, residents in Oregon technically purchase from MassMutual Oregon. For Guardian Life, you may see your policy listed under Guardian Life Insurance Company of America.
Life Insurance Options From MassMutual and Guardian Life
The most basic types of life insurance are whole and term life insurance policies. While there are many types of whole life insurance and term policies, most people will get the coverage they need with either a basic whole or term plan. Your options with MassMutual and Guardian Life include:
- Term Life: MassMutual offers plans starting at $100,000 coverage for people 18 to 75 in terms of 10 to 30 years. Guardian Life sells policies in terms of 10 to 30 years.
- Whole Life: You can purchase whole life from MassMutual from birth to 90, with coverage starting at $25,000. Guardian Life sells a variety of whole life plans but has little information posted online.
MassMutual and Guardian Life also offer universal life insurance.
Guardian Life offers one universal life insurance plan, while MassMutual offers both universal and variable universal policies.
On top of the basic types of policies, each company offers a unique policy. Guardian Life offers coverage for HIV-positive patients in good health. MassMutual offers a free plan to low-income parents who want to guarantee their children’s future educational costs.
MassMutual vs. Guardian Life Life Insurance Add-on Options
Most life insurance companies offer add-ons so you can customize your coverage, and that’s true for MassMutual and Guardian Life. Compare your add-on options with MassMutual and Guardian Life below.
Life Insurance Add-Ons for MassMutual vs. Guardian Life
| Add-Ons |  | |
|---|---|---|
| Accelerated Death Benefit | ✅ | ✅ |
| Accidental Death Benefit | ❌ | ✅ |
| Guaranteed Insurability | ✅ | ✅ |
| Life Insurance Supplement | ✅ | ❌ |
| Long-Term Care Access | ✅ | ✅ |
| Paid-up Additions | ✅ | ✅ |
| Renewable Term | ✅ | ✅ |
| Waiver of Premium | ✅ | ✅ |
| Yearly Term Purchase | ✅ | ❌ |
Guardian Life offers additional add-ons you won’t find at MassMutual. These include:
- DuoGuard: Your beneficiary will have the option to purchase their own life insurance policy after your death without needing a medical exam.
- Index Participation: Receive a dividend adjustment based on the S&P 500 Index using your paid-up additions.
- Policy Split Options: People with joint life insurance policies will have the option of splitting their plans into two policies in case of divorce.
Understanding which add-ons to purchase can be difficult, especially if it’s your first time buying a plan. Read our Guardian Life life insurance review to explore add-on options.
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MassMutual vs. Guardian Life Customer Reviews
Learning about prices and the different types of term life insurance and whole life policies is important in choosing the right company for you. However, you should also look at customer reviews.
To start with MassMutual life insurance reviews, most customers report being satisfied with their service. In fact, the one concern people seem to have is that MassMutual can be pricier than other options, as this Reddit user discusses.
Worth Paying More for MassMutual vs Principal or Lincoln?
byu/luzhinlives inLifeInsurance
This Reddit user’s experience seems to be common, with many life insurance shoppers concerned by the higher prices. While you should always shop within your budget, other Reddit users offered assurance that the higher prices were worth MassMutual’s customer service.
Guardian Life doesn’t get the same glowing reviews that MassMutual receives, but it’s still considered a good choice for more budget-minded shoppers. Most customers appreciate the option of financial services like retirement planning with GLIC.
Whether you’re looking for standard life insurance or want to compare Guardian vs. MassMutual disability insurance, reviews are similar enough that you likely wouldn’t notice too much of a difference.
MassMutual vs. Guardian Life Business Reviews
Third-party rating companies offer excellent insights into the performances of insurance providers and can be extremely helpful in making a decision.
Jeffrey Manola Licensed Insurance Agent
Check below to see how MassMutual and Guardian Life compare with the top third-party rating companies.
Insurance Business Ratings & Consumer Reviews MassMutual vs. Guardian Life
| Agency | | |
|---|---|---|
 | Score: 805 / 1,000 Avg. Satisfaction | Score: 781/1000 Average customer satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 80/100 Very Good Customer Feedback | Score: 85/100 Good rating for policy satisfaction |
 | Score: 0.45 Below Avg. Complaints | Score: 0.11 Lower than average complaint ratio |
 | Score: A+ Superior Financial Strength | Score: A++ Superior Financial Strength |
As you can see, each company receives excellent ratings, especially in areas like customer complaints and financial stability. However, MassMutual life insurance ratings are a bit higher. See why MassMutual got such high ratings by exploring our MassMutual life insurance review.
Interested in seeing which company sells the most life insurance policies? Check their market shares below.
Despite having higher prices, MassMutual commands more than double the market share of Guardian Life.
Pros and Cons of MassMutual Life Insurance
While an in-depth look at an insurance company is the best way to decide which provider is best for you, looking at pros and cons can give you some quick information. When you shop at MassMutual, you’ll get access to the following pros:
- Excellent Customer Service: MassMutual customer service has a reputation for being helpful, friendly, and efficient.
- Online Claims: Beneficiaries can file a MassMutual life insurance claim online in most cases.
- Wide Variety of Coverage Options: With options including term, whole, universal, and variable universal life insurance, you’ll probably find a plan that matches your needs perfectly. MassMutual has a reputation for offering one of the best 10-year term life insurance policies on the market.
Like any other insurance company, MassMutual isn’t perfect. A MassMutual policy comes with the following disadvantages:
- Medical Exams: Most MassMutual policies require a medical exam or interview before you can purchase a plan.
- Higher Rates: While MassMutual rates start low, only people in the highest rating will see those prices. MassMutual rates for everyone else can be a bit higher than the national average.
While you’ll need more information before making a decision, comparing the pros and cons listed above for MassMutual with the ones below with Guardian Life can point you in the right direction.
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Pros and Cons of Guardian Life Life Insurance
Like MassMutual, Guardian Life has areas where it shines and places where it could improve. Purchasing a Guardian Life policy comes with the following advantages:
- Low Complaints: Most customers seem to enjoy their Guardian Life policies as the company receives fewer complaints than many of its competitors.
- Affordable Rates: While it’s not the cheapest option on the market, Guardian Life is considered an affordable choice for life insurance.
- Unique Coverage Options: Applicants who struggle with application approval may be able to purchase a Guardian Life plan. Guardian Life is one of the few life insurance companies that offers coverage to HIV-positive applicants.
Guardian Life is a great choice for many people looking for life insurance coverage, but it’s not the best for everyone. Take a look below at the drawbacks of shopping at Guardian Life:
- No Online Purchases: While you can start a free insurance quote online, you’ll need to speak with a Guardian Life representative to purchase a policy.
- Less Transparency: Guardian Life hasn’t posted much information about its life insurance policies online, especially compared to MassMutual.
Using the information above can help you make a quick decision. For example, you’ll know that Guardian Life is an excellent option if you have a positive HIV diagnosis, but may not be the best choice if you want a digital life insurance experience.
Compare MassMutual vs. Guardian Life Insurance Rates Today
Deciding between MassMutual and Guardian Life is a big decision, particularly since life insurance plays such an integral role in protecting your loved ones financially. Hopefully, you have a better idea of which one would best suit your needs now, whether you want the best permanent life insurance or the shortest term possible.
Of course, comparing rates is still a crucial step in finding the perfect life insurance coverage. Whether you want Guardian Life’s low rates or MassMutual’s superior customer service, you can enter your ZIP code into our free tool to start comparing rates today.
Frequently Asked Questions
Which company is better, MassMutual or Guardian Life?
When comparing Guardian vs. MassMutual, both are top-tier insurance companies offering a wide range of life and disability insurance products. MassMutual is known for its strong financial stability and customizable policies, while Guardian excels in customer service and dividend-paying whole life insurance policies.
How do Guardian vs. Aflac compare?
Guardian provides comprehensive life and disability insurance options, whereas Aflac is well-known for its supplemental insurance products, including accident, cancer, and hospital indemnity insurance. Check out our Aflac life insurance review to compare.
Who is better, MassMutual or Northwestern Mutual?
Both MassMutual and Northwestern Mutual are solid choices for life insurance, and the right provider for you depends on your unique circumstances. Check out our MassMutual vs. Northwestern Mutual life insurance review to learn more.
Does MassMutual sell car insurance?
While the company sells a variety of life insurance financial planning services, MassMutual car insurance is not an option.
Does Guardian Life sell health insurance?
Yes, Guardian Life sells a variety of health insurance plans. These plans include individual health insurance policies, supplemental coverage like the Guardian Life Family Indemnity plan, and health benefits options for small businesses.
Is MassMutual a good place to work?
If you’re interested in a MassMutual career, you’ll be happy to know MassMutual is generally considered a good place to work. You can use the MassMutual careers login to look for jobs and manage applications. However, just like insurance rates, you should research MassMutual careers before making a decision.
How do MassMutual and Guardian disability insurance compare?
MassMutual offers comprehensive disability insurance with a variety of riders and benefits. Guardian is also a strong competitor in the disability insurance market, known for its superior customer service and policyholder dividends.
Is MassMutual life insurance good?
Yes, MassMutual life insurance is highly rated for its financial strength, policy flexibility, and customer service. That’s particularly true for its standard term policies, according to MassMutual term life insurance reviews.
How long does Guardian Life Insurance take to pay out?
Guardian Life Insurance typically processes claims and pays out benefits within a few weeks, depending on the complexity of the claim and the submission of necessary documentation. Learning how to file a Guardian Life life insurance claim before you start the process can help speed things up.
What types of life insurance policies does MassMutual offer?
Massmutual offers a variety of life insurance policies to cater to different needs. They provide term life insurance, whole life insurance, universal life insurance, and variable universal life insurance. Each policy type has its own features and benefits, allowing individuals to choose the coverage that suits them best.
Does Guardian Life offer any additional benefits or features with their life insurance policies?
Yes, Guardian Life offers additional benefits and features with its life insurance policies. One of the most popular is its no-medical-exam life insurance policies, which helps people who have been rejected by other life insurance companies get coverage. You can also buy other types of insurance, including pet insurance. In fact, Guardian pet insurance reviews are generally positive.
Can I customize my life insurance coverage with MassMutual?
Yes, MassMutual allows policyholders to customize their life insurance coverage to some extent. With certain policies, you can add riders or endorsements to enhance your coverage. Riders can provide options such as accelerated death benefits, disability income, or additional coverage for specific circumstances, giving you more flexibility in tailoring your policy.
Does Guardian Life offer any online tools or resources to manage life insurance policies?
Yes, Guardian Life provides online tools and resources to help policyholders manage their life insurance policies. Their online portal allows you to access policy information, make premium payments, update beneficiary details, and view policy values. They also offer mobile apps for convenient policy management on the go. If you want to compare Guardian Life quotes with other companies, you can use our online tool by entering your ZIP code.
Compare The Best Insurance Quotes In The Country
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
