Do Guardian life insurance policies have cash value?

Yes, some Guardian Life Insurance policies do have a cash value component. Primarily, whole life insurance and certain forms of universal life insurance offered by Guardian include a cash value feature. This cash value accumulates over time as you pay premiums and can grow based on a guaranteed interest rate and possibly dividends, depending on the specific policy. Policyholders can access the cash value through loans, cash withdrawals, or by surrendering the policy. However, it is important to remember that any outstanding loans or withdrawals may reduce the death benefit. It is advisable for individuals to review the specific details of their policy or examine the options available on Guardian's current web page for a better understanding of cash value and how it may work within their chosen policy.