About Guardian We’re behind you. And Guardian is behind us.We take our commitment to our clients very seriously. That’s why we’ve chosen to affiliate ourselves with The Guardian Life Insurance Company of America (Guardian). Every day, Guardian makes the lives of 26 million Americans more secure through its insurance and wealth management products and services. For more than 150 years, Guardian has maintained their financial strength through economic ups and downs, steadfastly meeting their obligations to people and business alike. As a mutual company, they don’t have shareholders. Which means the only people they have to answer to are their policyholders. And that can make a big difference when you’re trusting a company with your financial well-being.Why choose a Guardian agency?As a Guardian agency, we have access to the full breadth and depth of Guardian’s financial strength, resources and products. When you choose to work with us, you’re choosing:Financial strength — Guardian has consistently earned high ratings for its financial strength and claims-paying ability from the industry’s leading rating agencies:*A++ (Superior) from A.M. BestAA+ (Very Strong) from Standard & Poor’sAa2 (Excellent) from Moody’sAA+ (Very Strong) from FitchWhat does that mean to you? That you can feel secure that we’ll be able to make good on our promises.* The ratings of The Guardian Life Insurance Company of America® (Guardian) quoted in this report are as of December 31, 2018, and are subject to change. The ratings earned by Guardian do not apply to the investments issued by The Guardian Insurance & Annuity Company, Inc. (GIAC) or offered through Park Avenue Securities LLC (PAS). Depth of resources — Through Guardian’s Business Resource Center, we have access to specialists in a wide range of areas, from law to estate planning to tax strategies. They can craft time tested, all-around strategies that cover every facet of your financial life.Innovative solutions — Guardian is always working hard to stay at the forefront of the industry. So whatever products and services we offer you, you can feel confident that they’re dependable, effective and represent the latest thinking.The Living Balance Sheet®Get a 360° view of your entire financial world — whenever you need it, wherever you are.Financial information concerning Guardian as of December 31, 2018, on a statutory basis: Admitted Assets = $58.5 Billion; Liabilities = $51.3 Billion (including $44.3 Billion of Reserves); and Surplus = $7.2 Billion. The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY.