Forgot your password? First time user?
Request a Quote

Mutual vs Stock Companies




When choosing a DI carrier, it is important to consider the differences of a publicly traded stock company and that of a mutual company.  It comes down to who is considered first.  The primary purpose of a publicly traded stock company is to make a quarterly profit for the investors.  The policyholders are merely customers.  With a mutual company the policy owners ARE the owners of the company.  A mutual company's primary purpose is to uphold the promises to the policy owners who own the company, not make a profit for the company's many private investors.   A mutual company can more easily manage long term promises since short term thinking of investors is not a concern for management.   


Return to Home

Financial Representatives of the Guardian Life Insurance Company of America (Guardian), New York, New York.  First Financial Group is an independent agency authorized to offer products of The Guardian Life Insurance Company of America (Guardian), New York, NY and its subsidiaries and is not an affiliate or subsidiary of Guardian. The Guardian® Logo is a service mark of Guardian, used with permission. Important Disclosures:  www.guardianlife.com/disclosures  Terms and Conditions    Privacy Policy

2019-91505 Exp 01/2022