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They are declared annually by Guardian’s Board of Directors. 8 The Index Participation Feature (IPF) is a rider available with select Guardian participating whole life policies. With the new IPF, policyholders can now allocate between 0% and 100% of the cash value of paid-up additions (PUA) to the IPF each year. The Freedom Guardian (smartwatch) device costs $99 upfront in addition to monthly service fees; Pricing Comparison. Monthly service fees for Life Alert start at $49.95 and go up to $89.85, while Medical Guardian’s monthly monitoring fees range from $29.99 up …2023-153932 20250430. 2021 Fact Sheet: Disability Insurance Awareness Month, LIMRA, 2021, page 2. Top 5 reasons why people go bankrupt, Investopedia, updated February 19, 2023. Chances of Disability: Me, Disabled?Jan 20, 2022 · Guardian offers one of the strongest products on the market. 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