Facts on Guardian Brief Overview of Guardian's Financials 12-31-2009

How to Choose a Life Insurance Company 2010 edition of this brochure on insurance company financial strength statistics and how Guardian stacks up.

Standard & Poor's Report on Guardian July 2010 This is a must read to find out what a major rating service thinks of Guardian.

Creative Wealth Management Strategies July 2010 TAMING THE INVISIBLE GORILLA, DISABILITY INSURANCE: A Case Study in Illusions?, SHOULD A SECOND HOME BE THE ONLY ONE YOU OWN?

Gifting Life Insurance-A Powerful Technique Life Insurance, always an efficient wealth transfer tool, is even more attractive as a way to leverage a gifting program.

Guardian Annual Report 2009

Proft Sharing vs. SEP Comparison from the Business Resource Center (BRC) Discussion of Simplified Employee Pension plan versus a Proft-Sharing Plan.

2010 Retirement Planning Guide-Qualified Plans Rules, limits, and other important considerations for Profit-Sharing Plans, Defined Benefit Plans, SEPS, SIMPLEs, etc.

Building Your Practice June, 2010 Effective Techniques for Promoting Referrals;Eight Great Ideas for Building Relationships with the Families of Business Owners; Reviewing Beneficiary Designations

25 Year Historical Whole Life Performance Historical policy performance of whole life purchased in 1985

2010 FIO Exercise Application with suppl forms This is the current app for exercising Future Increase Option on Guardian disability income policies effective 08-13-10.

How Guardian Calculates its Policy Dividends Explanation by Guardian's product actuary of how the Guardian applies various principles in arriving at the annual dividend scale.

What's in a Dividend? The mutual company advantage...how a dividend is calculated, and update on Guardian's financial strength. including ratings confirmed.

Di to Life Certificate Program Describes the "DI to Life Certificate" program that offers life insurance to standard DI policy holders within 120 days of policy issuance without any medical testing. Virtually no underwriting.

2010 Complete DI Application package DI-AP-2009 IMPORTANT - You must use this application for DI series - 1400 & 1500 & 1600. App package includes all forms for all riders.

Authorization to Obtain and Release Information This authorization complies with the HIPAA Privace Rule. Use this form in conjunction with an underwriting inquiry (form C-UNDINQ-2003) C-Auth-2003

Creative Wealth Management Strategies August 2010 Okay I Got It – What’s Next?, Whole Life Insurance: Complex, Ingenious, Social Security: You Might Still Get It – If You Live Long Enough, Volatility Up, Investors Out