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About Us

Innovative Underwriters, LLC, (IU) is a wholly-owned subsidiary of The Guardian® Life Insurance Company of America with nearly 50 years in the industry as a Brokerage General Agency committed to helping insurance producers serve their clients.

IU provides access to a robust suite of nonproprietary products from a diverse set of top-rated carriers. Our unique guidance helps you compete in today’s challenging market environment. Our dedicated teams are committed to providing you with guidance through each case –regardless of size – every step of the way.

Through our experience and relationships, we know which carrier to approach to best serve each of your individual cases. We will work directly with the carriers on behalf of you and your client to reach an offer. We have all the resources needed to protect all your clients.

Our team operates with an extensive pool of expertise:

  • 75+ years of sales experience across multiple carriers

  • Nearly 50 years of true underwriting


  • Nearly 50 years building relationships
  • 100 years of service experience

Our Value to You

We take care of the heavy lifting, freeing up more time for you to spend with clients. With IU, you will experience true teamwork through our  relationships, service, underwriting, and sales teams.

We  provide personalized attention to you.


“We find the ability to share underwriting files between Guardian and IU to be extremely beneficial in our daily business processing. In addition, our ability to share files is a terrific recruiting tool we can add to our value proposition, to help our associates build their careers.”

Nat Perlmutter   

“As a long time producer at Guardian, for many years we were writing UL and large term cases with various brokerage general agencies throughout the country.
For the last three years, we only write business with IU for the following reasons:
1. Quick response to every inquiry
2. We do not need to get unnecessary underwriting requirements. This saves time.
3, Expert advice on advanced planning situations.
4, Fantastic and quick underwriting. Superb communication and follow through.
5. Maybe, most importantly, getting exceptions and negotiating better underwriting classes than originally issued.

My life and business is better because of IU and their fantastic TEAM.”

Earl E. Rubinoff, CLU   

Contact Us

Innovative Underwriters
1800 JFK Blvd, Suite 700 
Philadelphia, PA 19103
Phone: 800.446.7872

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