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July 26, 2005
Guardian Announces Free Maximum Rollover and Reduced Rates for Dental Insurance
For product related inquiries, please call: 1-888-278-4542
NEW YORK, N.Y., July 26, 2005 — The Guardian Life Insurance Company of America (Guardian) today announced that new customers of its DentalGuard Insurance products can receive free Maximum Rollover from now through the end of the year. The Maximum Rollover option allows DentalGuard members to roll over a portion of their unused annual maximum into a personal Maximum Rollover Account (MRA), in case the need for more extensive dental care arises in the future. Guardian has also reduced rates on voluntary business.
"We are excited to be able to offer our customers these new benefits," said Rich White, Senior Vice President, Guardian, Group Insurance. "More than half of all employers in the U.S. offer dental coverage, and Guardian is providing many ways for them to continue meeting all of their employees' dental needs."
Maximum Rollover allows members to "save up" annual maximum dollars that can be used if there becomes a need for more significant dental care. Features include the following:
 | Allows members who have submitted small claims to build up their MRA for a time when they will need to cover large claims. |
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| Rewards long-term employees by allowing the MRA to accumulate over time. |
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| Provides members with consumer choice. By carefully controlling their spending, members can have more dollars available when needed. |
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In addition to free Maximum Rollover, members now can enjoy lower voluntary rates—an average reduction of 5 percent on cases with 45 to 75 percent employee participation. Rates improve for customers with higher participation in Guardian's DentalGuard programs. The reduction is a good fit for customers who use Guardian's Enrollment Success Program (ESP), which assumes 50 percent participation. Guardian's Enrollment Success Program is a unique approach to enrollment that focuses on support and education throughout the enrollment process. Guardian Benefit Advisors work with planholders to customize enrollment processes in order to best meet customers' needs.
"Guardian's dental offerings help meet a wide variety of our customers' needs and demands," said John Foley, Head of the Dental Strategic Business Unit (SBU), Group Products, Guardian. "We are committed to providing the highest quality of service to our customers."
Last year, Guardian announced two new DentalGuard plans and some key enhancements including the Maximum Rollover feature as well as a Monthly Switch option in California to its Group Dental product portfolio. The DentalGuard Basic and Basic Plus plans were created for those companies that need lower-cost dental coverage, as an alternative to Guardian's rich DentalGuard plan. Guardian's Monthly Switch option enables employees to switch between a PPO and a DHMO plan every month. Unlike traditional dual choice plans which allow only annual election changes, Monthly Switch offers flexibility to planholders to make changes to their accounts each month.
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.
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