Guardian - Life Insurance
Guardian is the largest life and health insurance company
in Hawaii with markets in 20 western states, Guam, and the
Commonwealth of the Northern Marianas. Pacific Guardian family
of services offers a full range of solutions for life insurance,
employee benefits, and worksite marketing.
Guardian's humble beginnings in Honolulu back in 1961 had
a simple enough intent: To invest money earned by the people
of Hawaii for their benefit, while allowing them close proximity
to their investments. This philosophy has not changed much
over the years, though market expansion has meant a more sophisticated
approach to business operations. Even as Pacific Guardian
have grown and matured, they have never lost sight of their
goals nor faith in the ideals of Pacific Guardian Company
philosophy, "Sharing Our Life with Yours."
Guardian holds an "A" (Excellent) rating (3rd highest
out of 14) from the A.M. Best Company. Please click on the
A.M. Best icon on this page to view the Best's Company Report
for Pacific Guardian Life.
Do I need Life Insurance?
all want our loved ones to live happy, secure lives. But who
will provide for them when you no longer can?
Through life insurance, you can remove that worry. With the
right policies, you will receive peace of mind - and a whole
lot more. Getting life insurance is a practical means of providing
financial security for your family. When life takes an unexpected
turn, your loved ones can continue living full lives, as you'd
want them to. Your gift to them, then, goes beyond a "good
feeling." It becomes a tangible measure of security for
Solutions for You
Guardian have been helping people protect against life's uncertainties
for a number of generations. Consider what Pacific General
can do for you. Their life insurance products can help you:
off home mortgages
off funeral, medical expenses
your spouse/children to sustain a similar lifestyle
for monthly income for your loved ones
Pacific Guardian - What kind of Life Insurance is right for
Your Needs & Wants
types of life insurance products are designed to fit your
individual needs and wants. Life insurance offers attractive
features, such as non-taxable benefits and tax deferred investments.
Pacific Guardian offers a variety of attractive and competitive
solutions. Learn more about these options:
life insurance provides protection for a specific period of
time. Unlike other types of policies, term life insurance
generally does not generate cash values. Because of that,
term life insurance is usually the least expensive means of
protection. Term life insurance is usually a good starting
point for younger policyholders. As their income increases,
they may consider purchasing more comprehensive coverage.
In such cases, they can choose to convert their existing term
life insurance policies.
Guardian's term life insurance has a variety of desirable
features such as:
protection for a 10, 20, or 30 year period of time.
premiums are lower than whole life insurance allowing
you to purchase higher levels of coverage.
younger ages to purchase more coverage when the need for
protection is often the greatest.
for covering needs that will disappear in time, e.g.,
mortgage, car loans, etc.
Premier Preferred and Preferred classes of insurance.
life insurance differs from term life insurance in that it
is a life-long insurance. It requires that premiums be paid
for as long as the insured lives. Unlike most term life insurance
policies, whole life policies accumulate cash value. If you
need a lifetime of coverage, Pacific Guardian's whole life
insurance may be the way to go. Pacific Guardian's fixed premium
whole life insurance offers these features:
guaranteed cash values.
premium payments (7 years or 15 years) for a fully paid-up
coverage - Guaranteed!
protection with cash values.
whole life, universal life insurance provides permanent coverage.
However, it is different from whole life in that it gives
flexibility to the policyholder as to the amount and timing
of premium payments. If flexible premiums and flexible coverage
better fit your needs and wants, Pacific Guardian's universal
life insurance products provide for it. Some of Pacific Guardian's
insurance coverage for your current and future requirements.
premium payments to match your current and future financial
life isn't always certain, your annuity should be. Pacific
Guardian's annuities give you what you want:
that grow tax-deferred.
guaranteed amount of income for a specified period or
1% bonus interest rate is credited to first-year money.
(Bonus interest rate credited for one year only.)
to 10% of value can be withdrawn after the first year
without withdrawal charges. Early withdrawal charges can
be waived for special needs.
1440 Kapiolani Blvd.,