Guardian Life Insurance Company of America keeps a sharp eye on the investments of its policyholders. Guardian and its subsidiaries offer life insurance, disability income insurance, and retirement programs to individuals, business owners, and their employees. Its employee health indemnity plans provide HMO, PPO, and dental and vision plans, as well as disability plans. Its Guardian Insurance & Annuity subsidiary offers retirement options that include mutual funds and annuity products, which its Guardian Investor Services manages. Guardian also offers estate planning and education savings programs. The firm is a mutual company owned by its policyholders.