Innovative Underwriters is an insurance brokerage agency. It is a wholly owned subsidiary of Guardian Life Insurance Company, which is one of the largest mutual life insurance companies throughout the United States. Innovative Underwriters offers a wide range of individual life and disability income insurance and investments products, such as variable annuities, mutual funds, stocks and bonds. It deals in insurance products and services offered by several companies, including MetLife Investors USA Insurance Company, Prudential Financial, Security Mutual Life Insurance Company of New York, Genworth Life and Annuity Insurance Company and AIG American General Life. Innovative Underwriters is located in Philadelphia.