Guardian Life

aid: guardian-life
name: Guardian Life
description: 'The Guardian Life Insurance Company of America is one of the largest mutual life insurance companies in the
  United States, providing life insurance, disability income insurance, dental insurance, and other employee benefits. Guardian
  operates a partner developer portal, Guardian Connect, built on Apigee, exposing a catalog of group and retail insurance
  APIs covering evidence of insurability, member benefits enrollment, policy and plan configuration, group rating and quoting,
  dental provider directory and verification of benefits, underwriting data, and life illustration. The Member Benefits APIs
  implement the LIMRA Data Exchange (LDEx) Standards. Access is partner-gated: a partner agreement is established first, after
  which Guardian issues a registration code and partner key, and API keys are minted per partner app subject to administrator
  approval. Authentication is JWT with OpenID Connect login. No OpenAPI, Swagger, or other machine-readable contract is published
  publicly — the API reference sits behind partner login — so the APIs below are recorded from Guardian''s own public catalog
  descriptions.'
type: Index
accessModel:
  pricing: enterprise
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Enterprise · Approval required
  confidence: high
  source:
  - authentication
  - documentation
  generated: '2026-08-06'
  method: verified
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/guardian-life.png
tags:
- Insurance
- Life Insurance
- Disability Insurance
- Dental Insurance
- Employee Benefits
- Benefits Administration
- Group Insurance
- Underwriting
- Claims Processing
- LDEx
- Fortune 500
url: https://raw.githubusercontent.com/api-evangelist/guardian-life/refs/heads/main/apis.yml
created: '2026-03-21'
modified: '2026-08-06'
specificationVersion: '0.23'
apis:
- aid: guardian-life:evidence-of-insurability
  name: Evidence of Insurability (EOI) API
  description: Secure, real-time EOI decisioning on a benefit technology partner's platform when required by an elected Guardian
    benefit. Employees required to submit EOI are presented the required health questions during their benefit shopping experience
    and receive instant notification of approval or referral to underwriting. Where underwriting review is required, the partner
    can call Guardian's system for EOI transaction status updates.
  humanURL: https://developer.guardianlife.com/api/30
  tags:
  - Evidence of Insurability
  - Underwriting
  - Group Insurance
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/30
- aid: guardian-life:benefits
  name: Benefits API
  description: Secure, real-time access to read and update employee and dependent benefit data. Once a Guardian policy is
    established, benefit technology partners use the Member Benefits API endpoints to enroll and terminate employees, update
    employee records such as adding dependents, process demographic and benefit changes, and retrieve employee, dependent,
    and benefit information for data synchronization. Member Benefits APIs use the LIMRA Data Exchange (LDEx) Standards.
  humanURL: https://developer.guardianlife.com/api/31
  tags:
  - Member Benefits
  - Enrollment
  - Eligibility
  - LDEx
  - Group Insurance
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/31
- aid: guardian-life:policy
  name: Policy API
  description: Secure, real-time access to Guardian benefit plan information including all of the insurance product rules,
    attributes, and rates required to configure a Guardian plan on a benefit technology partner's platform. Once a policy
    is sold and implemented, the partner can pull all product and plan information, configure their platform, and begin employee
    enrollment, reducing implementation effort, time, and errors. Can be used anytime changes are made to a policy's products
    and rates.
  humanURL: https://developer.guardianlife.com/api/32
  tags:
  - Policy
  - Plan Configuration
  - Rates
  - Group Insurance
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/32
- aid: guardian-life:retail-individual-products
  name: Retail Individual Products
  description: 'Real-time quote and product info exposed through higher-level capabilities rather than lower-level APIs requiring
    intimate system knowledge, fronted by an orchestration layer so retail products can be sold through various distribution
    channels. Comprises seven operations against the Guardian Retail administrative system for Dental policies: Retail Enrollment
    (send new Dental enrollments with subscriber/member information and plan selection), Retail Add Dependent, Retail Delete
    Dependent, Retail Update Customer Information, Retail Reinstatement, Retail Cancellation, and Retail Status.'
  humanURL: https://developer.guardianlife.com/api/37
  tags:
  - Retail
  - Dental Insurance
  - Enrollment
  - Policy Administration
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/37
- aid: guardian-life:group-rating-quoting
  name: Group Rating & Quoting API
  description: Secure, real-time access to request and retrieve a quote for Guardian products. The technology partner requests
    a quote for any product by supplying specific details regarding the broker, policy holder, products, census, and additional
    documents. Once the proposal is ready an API notification triggers back to the technology platform, and the partner retrieves
    the requested quote, including a PDF output of the data.
  humanURL: https://developer.guardianlife.com/api/38
  tags:
  - Quoting
  - Rating
  - Group Insurance
  - Brokers
  tags_raw:
  - Quoting
  - Rating
  - Group Insurance
  - Broker
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/38
- aid: guardian-life:hmb
  name: HMB API
  description: Create and access membership information for the HMB membership.
  humanURL: https://developer.guardianlife.com/api/47
  tags:
  - Membership
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/47
- aid: guardian-life:underwriting-data-service
  name: Underwriting Data Service
  description: Centralized Underwriting Data API providing business and technical services for saving and retrieving underwriting
    data from the Centralized Underwriting Database. Services include saving UW data into the CUW database and retrieving
    UW data from it, intended for consumption by other internal applications.
  humanURL: https://developer.guardianlife.com/api/49
  tags:
  - Underwriting
  - Internal
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/49
- aid: guardian-life:group-dental-provider
  name: Group Dental Provider API
  description: Returns a list of providers with location information for Group Commercial Dental Insurance.
  humanURL: https://developer.guardianlife.com/api/50
  tags:
  - Dental Insurance
  - Provider Directory
  - Group Insurance
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/50
- aid: guardian-life:gps-illustration
  name: GPS Illustration API
  description: Generates illustrations for life insurance products.
  humanURL: https://developer.guardianlife.com/api/51
  tags:
  - Life Insurance
  - Illustration
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/51
- aid: guardian-life:group-verification-of-benefits
  name: Group Verification of Benefits API
  description: Secure, real-time access to request provider benefits verification for members and dependents. The technology
    partner generates a request by supplying group policy number, patient relation to member, patient identifier, date of
    birth, first and last name, and CDT code. A successful response returns comprehensive details for all applicable dental
    plan types covering plan options, copays, deductibles and more.
  humanURL: https://developer.guardianlife.com/api/52
  tags:
  - Verification of Benefits
  - Dental Insurance
  - Group Insurance
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/52
- aid: guardian-life:esuite-prefill
  name: Guardian eSuite Prefill API
  description: Allows third parties such as agents and partners to securely send application prefill information related to
    a potential client's life or disability application, collected by the third party and intended for use as prefill when
    an application is started in eSuite. Also supports searching for and retrieving prefill information for a potential client.
  humanURL: https://developer.guardianlife.com/api/60
  tags:
  - Life Insurance
  - Disability Insurance
  - Application
  - Agents
  tags_raw:
  - Life Insurance
  - Disability Insurance
  - Application
  - Agent
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/60
- aid: guardian-life:filenet-content-manager
  name: IBM FileNet Content Manager API
  description: FileNet CM REST APIs allowing authorized external vendors and partners to add, search, retrieve, and update
    metadata of documents within the FileNet CM repository.
  humanURL: https://developer.guardianlife.com/api/62
  tags:
  - Document-Management
  - Content Management
  tags_raw:
  - Document Management
  - Content Management
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/62
- aid: guardian-life:eoffer-policy-external
  name: eOffer Policy External
  description: API to post eOffer policy information.
  humanURL: https://developer.guardianlife.com/api/63
  tags:
  - Policy
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/63
- aid: guardian-life:avantos-smartoffice-contact-sync
  name: Avantos to SmartOffice Contact Sync API
  description: A Guardian Online (GOL) API that connects Avantos and SmartOffice to synchronize contact data and support SSN
    lookup for Avantos.
  humanURL: https://developer.guardianlife.com/api/64
  tags:
  - Contact Sync
  - Wealth Management
  - Integration
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/64
- aid: guardian-life:finra-license-check
  name: FINRA License Check API
  description: Validates the regulatory licensing status of financial professionals or firms registered with the Financial
    Industry Regulatory Authority (FINRA), ensuring individuals or entities involved in securities transactions are properly
    licensed and authorized as of a given date.
  humanURL: https://developer.guardianlife.com/api/65
  tags:
  - FINRA
  - Compliance
  - Licensing
  properties:
  - type: APIReference
    url: https://developer.guardianlife.com/api/65
common:
- type: DeveloperPortal
  url: https://developer.guardianlife.com
- type: APIReference
  url: https://developer.guardianlife.com/apis
- type: GettingStarted
  url: https://developer.guardianlife.com/getting-started
- type: FAQ
  url: https://developer.guardianlife.com/faq
- type: Registration
  url: https://developer.guardianlife.com/partner/register/activate
- type: TermsOfService
  url: https://developer.guardianlife.com/terms-and-conditions
- type: Support
  url: https://developer.guardianlife.com/contact/feedback
- type: VulnerabilityDisclosure
  url: security/guardian-life-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/guardian-life-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/guardian-life-insurance-co-of-america
- type: Website
  url: https://www.guardianlife.com
- type: About
  url: https://www.guardianlife.com/about-guardian
- type: Contact
  url: https://www.guardianlife.com/contact-us
- type: PressCenter
  url: https://www.guardianlife.com/news/press-center
x-evidence:
  fetched: '2026-08-06'
  portal_probe:
    url: https://developer.guardianlife.com
    http_status: 200
    bytes: 18928
  control_path_probe:
    url: https://developer.guardianlife.com/kin-lane-control-path-does-not-exist-9f3a
    http_status: 404
    note: Portal returns a genuine 404 status on unmatched paths, so 200s on the API detail pages below are real hits and
      not soft-404 false credit.
  catalog_source: https://developer.guardianlife.com/apis
  api_detail_probes:
    note: All 15 API detail pages fetched and confirmed HTTP 200 on 2026-08-06.
    ids:
    - 30
    - 31
    - 32
    - 37
    - 38
    - 47
    - 49
    - 50
    - 51
    - 52
    - 60
    - 62
    - 63
    - 64
    - 65
  spec_probes:
  - url: https://developer.guardianlife.com/openapi.json
    http_status: 404
  - url: https://developer.guardianlife.com/.well-known/openapi.json
    http_status: 404
  - url: https://developer.guardianlife.com/llms.txt
    http_status: 404
  platform: Apigee developer portal on Drupal (apigee_edge module, guardian_apigee theme), identified from drupal-settings-json
    on the rendered pages.
  note: 'No OpenAPI, Swagger, GraphQL, or AsyncAPI document is publicly retrievable. API detail pages carry no spec link and
    the reference sits behind OpenID Connect partner login, so every API above is recorded from Guardian''s own public catalog
    description with no baseURL asserted and no contract scaffolded. Onboarding is approval-gated: a partner agreement precedes
    account creation, and per-app API keys require administrator approval.'
  observed_defect: https://developer.guardianlife.com/faq renders raw Drupal PHP warnings and deprecation notices to anonymous
    visitors, disclosing module paths, internal module names (glic_contact_us), core file paths, and a user permissionsHash.
    Reported here as an observation for provider outreach, not scored.
x-coverage:
  contracts: none-published
  reason: Guardian publishes a named, described API catalog publicly but gates every machine- readable contract behind partner
    login. This is a provider-side disclosure boundary, not a harvest failure.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com