Your Benefits Secure your own future as you help your clients secure theirs. As a Guardian Financial Representative, you have a wide range of benefits available to you, to keep your family protected while you work to build your business. Medical coverage available at a reasonable cost, deducted from your salary on a pre-tax basis, plus a 100% cost sharing program of medical and dental benefits for all agents meeting certain production requirements.Short-Term Disability based on your length of service (from 60% to 100% of your salary) at no cost to you.Long-Term Disability for representatives under contract for at least one year.Dental Benefits for representatives under contract for at least two years, at a reasonable cost deducted from your salary on a pre-tax basis. These benefits include preventative care as well as other major services.Accidental Death and Dismemberment for those representatives participating in a Guardian health plan, with coverage equal to your Guardian group life insurance up to $50,000.Flexible Spending Account to allow tax-free payment of certain IRS eligible expenses, effective January 1 following your date of contract.Cooperative Investment Plan, a retirement savings plan with pre-tax [401(k)] and after-tax [401(a)] contribution alternatives that provide tax-deferred cash accumulations for your retirement. Guardian also contributes an annual match on your behalf.Non-Contributory Pension Plan in addition to the participatory Cooperative Investment Plan, at no cost to you and with a fast vesting schedule, after only five years of qualified service.Wealth Accumulation Plan (WAP), Guardian's non-qualified supplemental retirement plan for our high-producing career agents, offers the potential for millions of dollars in appreciation for an outstanding career, above and beyond your pension, 401(k), post-retirement renewals and lifetime service.Vision, representatives can enroll annually.Group Long-Term Care, a plan designed specifically to cover the costs associated with extended long-term care services for people who are unable to care for themselves. These services include assistance in the home with day-to-day activities, as well as services in a community-based setting such as adult day care, an assisted living facility or a nursing home.Life Insurance coverage for representatives is available from the first day of the representative's contract with Guardian.