Guardian Group Pensions Earns DALBAR Seal of Excellence for Call Center Support to Plan Sponsors

New York, February 28, 2006 — The Guardian Insurance & Annuity Company, Inc. (GIAC) announced today that DALBAR has awarded the company with the DALBAR Seal of Excellence for Call Center Support to Plan Sponsors. The DALBAR Seal is only awarded to those firms that consistently exceed customer expectations for services levels.

Before awarding the seal, DALBAR conducted a series of evaluations with Guardian's Group Pension clients, reviewing the call center's ability to effectively support plan sponsors, who use The Guardian Advantage as their funding vehicle, in their day-to-day business. The results of these tests indicate that Guardian's Group Pensions Call Center successfully meets the needs of their plan sponsors.

"We are extremely pleased to receive this recognition by DALBAR," said Dennis P. Mosticchio, Senior Vice President Group Pensions. "The DALBAR Seal demonstrates our dedication to providing exemplary customer service."

DALBAR, Inc., the nation's leading financial-services market research firm, continues its nearly three-decade commitment to raising the standards of excellence in the industry. With offices in the US and Canada, DALBAR develops standards for, and provides research, ratings, and rankings of intangible factors that influence the overall customer-service experience in the mutual fund, broker/dealer, managed account, retirement plan, life insurance and property and casualty insurance industries. Such factors include print communications, Internet, interactive voice response, call center, and financial-professional touch points. www.dalbar.com

About GIAC
The Guardian Advantage® is a group variable annuity contract issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation whose principal place of business is 7 Hanover Square, New York, NY 10004. GIAC is a wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. The variable investment options offered through GIAC's variable annuities are sold by prospectus only.

The prospectuses contain important information including risks, fees and expenses. Be sure to read the prospectuses carefully before investing or sending money. You should consider the investment company's investment objectives, risks, fees and charges carefully before investing. Prospectuses contain this and other important information and can be obtained from your financial professional or by calling 800-799-4015.

Variable annuities, along with their underlying investment options, are not deposits or obligations of, or guaranteed or endorsed by, any bank or depository institution, nor are they insured by the Federal Deposit Insurance Corporation (FDIC), The Federal Reserve Board, the National Credit Union Association or any other agency. They involve investment risk, including possible loss of the principal amount invested. Investment return and principal value may fluctuate so that shares, when redeemed, may be worth more or less than their original cost.

About Guardian
Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is the fourth largest mutual life insurance company in the United States. As of December 31, 2004, Guardian and its subsidiaries had $39.5 billion in assets. With more than 5,000 employees and 2,900 financial representatives, as well as over 80 agencies nationwide, Guardian and its subsidiaries protect individuals, businesses and their employees with life, disability, health and dental insurance products, and offer 401(k), financial products and trust services. More information about Guardian can be obtained at: www.guardianlife.com.

Guardian does not issue The Guardian Advantage and does not guarantee any of the benefits provided under the contract.

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