With company headquarters based in ""paradise"" to some, or at least Honolulu, Hawaii for legal reference, Pacific Guardian Life Insurance has been in the business of selling insurance policies and covering financial risk since 1961. Enjoying a bit of a captive market, since many other insurance players didn't want to extend beyond the continental 48 states in the U.S., Pacific Guardian has expanded and grown itself over the years to be the state leader in life insurance and disability coverage in Hawaii versus all other insurance players that operate in the territory.

Pacific Guardian Life Insurance offers its customers a full range of life insurance products as well as employee benefit plans for businesses. The company allows purchases of its policies by clients through independent insurance brokers as well as its own sales agents. As a result, Pacific Guardian enjoys an extensive network of sales personnel in practice, covering clients in the Hawaiian Islands as well as Pacific states, the Northern Marianas, and the island of Guam. Because of the number of different cultures and backgrounds of customers in the company's market, many of Pacific Guardian's agents also provide multi-lingual services, making them even more attractive to customers who don't speak English. Often, such customers prefer businesses that cater to their home language, and selling insurance is no exception to this preference.

In 1985 the company expanded further by acquiring Meiji Yasuda Life, opening up the Japanese life insurance market considerably. Prior to this time, Meija Yasuda was the oldest life insurance company in Japan. Now Pacific Guardian has access to the Japanese home market as well as to Japanese expatriates in Hawaii and neighboring islands. The company is likely to continue expansion of markets among the Pacific islands where it seems viable and profitable versus the risks covered.