Guardian Life Insurance Company

COMPANY OVERVIEW Founded over 150 years ago, Guardian Life Insurance Company and its subsidiaries are committed to protecting individuals, business owners and their employees with life insurance, disability income, dental insurance, mutual funds, annuities, 401(k), and other financial products and services. In 1925, Guardian converted from a mixed stock and mutual company to a wholly mutual company. As of December 31, 2012, Guardian reports over $53 billion in total admitted assets on a consolidated statutory basis and statutory income before dividends of $1.2 billion. The company declared record distribution of dividends to policyholders of $804 million for 2012. Guardian’s high ratings were affirmed by all four ratings agencies in 2012. The company is the only life insurer to be upgraded by two rating agencies in 2008 and affirmed annually since, demonstrating strong stability in investment performance, capital position, risk management, and operating performance. The company has roughly 5,100 employees and a network of 3,500 financial representatives in more than 90 agencies nationwide.