Accordia Life vs Guardian Life
Comprehensive side-by-side comparison of indexed universal life insurance companies
Accordia Life
Founded: 1962
Des Moines, Iowa
Assets
$8 billion
IUL Experience
8+ years
Products
3
Avg Cap Rate
9%
Key Strengths
Offers 3+ IUL products
Lifetime Builder IUL, Provider IUL, Survivorship Builder IUL, Global Accumulator
Global Atlantic (KKR-owned) parent
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
Detailed Feature Comparison
| Feature | Accordia Life | Guardian Life |
|---|---|---|
| Founded | 1962 | 1860 |
| Headquarters | Des Moines, Iowa | New York, NY |
| Assets Under Management | $8 billion | $1.6 billion dividend allocation 2025 |
| Years in IUL Business | 8+ years | 5+ years |
| Number of IUL Products | 3 | 2 |
| Typical Cap Rate Range | 8% - 10% | 8% - 10% |
| Participation Rates | 110% | 115% |
| Minimum Premium | $5,000 annual | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks | 3-4 weeks |