# Guardian Life scores 76 out of 100 on the Agent Readiness Index

Guardian Life reaches level 2, Legible. Web experience is the strongest area at 100 out of 100. Protocol access is the weakest at 36.

Guardian Life was scanned on October 14, 2026. Its score is 76 out of 100, level 2, Legible. An agent can read and cite your content. To reach level 3, Connectable: Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file.

Website: [guardianlife.com](https://www.guardianlife.com)

## Score by area

| Area | Score | What it asks |
| --- | --- | --- |
| Discoverability | 93 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 36 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 96 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 100 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 51 out of 100, worth 10 points | Do your terms allow agents that act for customers? |

## What is holding Guardian Life back

1. **MCP server**, 8 points lost. No MCP server, server card or registry entry was found for this organization. Fix: Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well known/mcp/server card.
2. **Browser tools exposed to agents**, 3 points lost. The sign in and home pages register no browser tools for agents. Fix: Register tools for safe tasks such as location search and price lookup with navigator.modelContext.
3. **Third party access and data sharing rules**, 3 points lost. No third party access rules were found in the documents read. Fix: Publish a third party access policy that names the approved interfaces and the consent model.
4. **Robots policy for user triggered agents**, 2 points lost. Some user triggered agents are restricted in robots.txt. Fix: Allow the ChatGPT User, Claude User and Perplexity User agents in robots.txt for public product, pricing and help pages.

## What already works

- OAuth and OpenID metadata
- PKCE and client registration
- Sign in page loads for a declared agent in a browser

## How Guardian Life compares

The average score for insurance is 43.8 out of 100 across 57 organizations. The average across all 1,421 scored organizations is 42.2 out of 100.

## Similar organizations

- [Assurant](https://readyindex.ai/assurant_com), 66 out of 100
- [Lemonade](https://readyindex.ai/lemonade_com), 63 out of 100
- [Principal Financial](https://readyindex.ai/principal_com), 62 out of 100

## More on this report

- [This report as markdown](https://readyindex.ai/guardianlife_com.md)
- [This report as JSON data](https://readyindex.ai/api/reports/guardianlife_com)
- [How the score is worked out](https://readyindex.ai/method)
- [All leaderboards](https://readyindex.ai/leaderboards)
- [Every scored organization](https://readyindex.ai/organizations)
- [Scan your own website](https://readyindex.ai/)

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Source: https://readyindex.ai/guardianlife_com
Updated: 2026-10-14
From the Agent Readiness Index by Encore AI. When you quote a score, please link to the report it came from.