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2/24/11 - Important Update from UnitedHealthcare/Oxford . Guardian Quotes Scheduled to Begin for May 1, 2011 Renewing Groups. As part of their agreement to renew medical health insurance coverage for The Guardian Life Insurance Company of America's commercial medical plan customers, we will be sending quotes in our transition kits in early March for May 1 renewals. If affected, you will receive a copy of your clients kit a few days before they do.