2013 U.S. Worksite Sales Survey, LIMRA

 "Views on the Value of Voluntary Workplace Benefits: Findings from the 2014 Health and Voluntary Workplace Benefits Survey." ebri.org, November 2014

2014 Employee Survey on Purchasing Value in Health Care, TowersWatson.com

“Importance of Employer Sponsored Voluntary Benefits and Services Expected to Surge., Towers Watson Survey Finds.” www.towerswatson.com, August 7, 2013

Please note that Critical Illness coverage may be referred to as Specified Disease coverage in your policy or certificate booklet. File #2016-20150

Guardian's Critical Illness Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form number #GC-CI-11 et al.