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• <br />Best's Insurer Profile <br />GUARDIAN <br />INSURANCE COMPANY <br />AMERICA <br />( Group Affiliation: Guardian Group ) <br />7 Hanover Square, New York, New York, United States 10004- <br />2616 <br />Tel: 212- 598 -8000 <br />Fax: 212- 598 -8815 <br />http://www.glic.com <br />Current Rating *: A+ (Superior) <br />* As of 1 T/2 712000 3:01:38 PM <br />We - al Sirpa � <br />Ai BEST .. <br />supeiriol <br />Business Review <br />• The Guardian Life Insurance Company of America is a mutual life <br />insurance company with nearly $34 billion in total assets under <br />management. The company issues primarily individual life and <br />group insurance coverages through its career agency force and <br />broker network. The company also has complementary affiliated <br />operations including an asset management company, a registered <br />broker - dealer, and a reinsurance broker. In addition, the company <br />recently established a thrift institution which will offer trust and <br />fiduciary services through Guardian's career agency force <br />throughout the country. Guardian manages its operations through <br />three primary profit centers: individual markets, group insurance <br />and equity products. The company further segments its group <br />operations into pensions and life reinsurance. <br />INDIVIDUAL MARKETS - Guardian focuses its activities within <br />this segment on the upper income life insurance and disability <br />income market. Its broad product portfolio includes traditional <br />whole life, term, and pension trust products, as well as the variable <br />life and annuity products issued through The Guardian Insurance <br />and Annuity Company (GIAC). In addition, through Guardian <br />Investment Services Corp. (GISC), an affiliated broker- dealer, a full <br />spectrum of investment products are available including the <br />organization's proprietary mutual fund family, The Park Avenue <br />Page 1 of 2 <br />Assigned to companies <br />which have, on balance, <br />superior financial <br />strength, operating <br />performance and market <br />profile when compared to <br />the standards established <br />by the A.M. Best <br />Company. These <br />companies, in our <br />opinion, have a very <br />strong ability to meet <br />their ongoing obligations <br />to policyholders. <br />Best's Ratings are <br />recognized worldwide as <br />the benchmark for <br />assessing insurers' <br />financial strength. A.M. <br />Best's ratings reflect an <br />in -depth knowledge of <br />the insurance industry <br />developed during its 100 - <br />year relationship with the <br />business. This is one <br />reason why insurance <br />