Guardian Life vs MassMutual
Comprehensive side-by-side comparison of indexed universal life insurance companies
Guardian Life
Founded: 1860
New York, NY
Assets
$1.6 billion dividend allocation 2025
IUL Experience
5+ years
Products
2
Avg Cap Rate
9%
Key Strengths
Offers IUL products with index participation features
Strong financial ratings
MassMutual
Founded: 1851
Springfield, Massachusetts
Assets
$950 billion+ life protection in force
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Focuses on whole life products
Detailed Feature Comparison
| Feature | Guardian Life | MassMutual |
|---|---|---|
| Founded | 1860 | 1851 |
| Headquarters | New York, NY | Springfield, Massachusetts |
| Assets Under Management | $1.6 billion dividend allocation 2025 | $950 billion+ life protection in force |
| Years in IUL Business | 5+ years | 0+ years |
| Number of IUL Products | 2 | 0 |
| Typical Cap Rate Range | 8% - 10% | N/A - N/A |
| Participation Rates | 115% | N/A |
| Minimum Premium | $5,000 annual | N/A |
| Issue Ages | 0-85 years | N/A |
| Underwriting Speed | 3-4 weeks | N/A |