Guardian Life Insurance is the fourth largest mutual life insurance company in America. In 2004, the company and its subsidiaries had more than $39 billion in assets. The company is experienced in providing many services, including diversified financial solutions, including life insurance, disability income insurance, retirement services, employee benefits and investments. Guardian offers a variety of products for both individual and business needs, including annuities, 529 plans, brokerage accounts, IRAs, life insurance, mutual funds, trust services, medical benefits and life insurance. The company has field sales offices in more than 90 communities in the United States, including Baltimore, Md.