Guardian has continually grown on a foundation of strength, with over $9 Billion in capital, while maintaining financial strength ratings that are among the top 1% of all insurers. Additionally, Guardian was the only major life insurer upgraded during the financial crisis of 2008.
Guardian has stress tested their balance sheet against an event comparable to the 1918 Spanish Flu; mortality losses in such an event represented about $300 Million, or 3% of capital. In 2020, Guardian's total benefits paid to policyholders was $6.7 Billion.
Guardian is near $10 billion in total liquidity. Liquidity is the total amount of cash assets that can be turned into cash quickly and easily with a minimal impact to the value of the investment that the company holds.