Guardian, through its subsidiary Family Service Life Insurance Company (FSLIC), is introducing a new group critical illness product in Kansas, marking its first filing of this product type in the state.

The product is designed as a limited benefit, employer-sponsored plan that pays lump-sum benefits upon diagnosis of covered conditions. It is positioned as a supplement to traditional health insurance rather than a replacement for major medical coverage.

The offering includes a core group policy, member guide, benefits guide, and portability feature, allowing employees to retain coverage after leaving an employer. Coverage is structured around a “total benefit amount,” with payouts tied to specific illnesses and their severity, including heart conditions, cancer, neurological disorders, mental health conditions, and a wide range of additional and pediatric conditions.

Employers can offer the product across different employee classes, with optional family coverage and flexible benefit tiers. Premiums are age-based and subject to change at renewal, while participation requirements and eligibility rules are defined at the group level.

The plan runs on an annual term with automatic renewals and includes features such as recurrence benefits for certain conditions, optional “extra illness” coverage, and ancillary benefits like health screenings and caregiver support.

Guardian notes the product is largely aligned with an existing critical illness design already approved elsewhere, signaling a broader rollout strategy using standardized forms across its subsidiaries.