1 https://www.forbes.com/sites/carolinecastrillon/2022/10/02/top-ten-most-valued-employee-benefits/?sh=484cb9b321ac

2 Summary of Findings - 10020 | KFF

3 Guardian Once of Prevention Study, February 2024, Page 8

4 Guardian Dental Benefits 2020: Maintaining oral health during COVID019 and beyond, 2020, Page 3

5 https://www.ada.org/en/resources/research/health-policy-institute/coverage-access-outcomes

6 https://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/dental/art-20047475

7 https://www.aarp.org/health/medicare-insurance/info-2022/dental-coverage.html

8 https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10529870/

9 Guardian Once of Prevention Study, February 2024 based on Guardian Dental Claims Analysis, September 2023

Material discussed is meant for general informational purposes only and is not to be construed as dental advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. You should always consult a licensed professional when making decisions concerning oral care.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

Managed Care is underwritten and issued by (IL) – First Commonwealth Insurance Company, (MO) – First Commonwealth of Missouri, (IN) – First Commonwealth Limited Health Services Corporation, (MI) – First Commonwealth Inc., (TX) – Managed DentalGuard, Inc. (DHMO), (NJ) – Managed DentalGuard, Inc., (FL, NY) – The Guardian Life Insurance Company of America. All First Commonwealth and Managed DentalGuard, Inc. entities referenced are wholly-owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California) (“DTC GLIC, LLC”) is the agent for The Guardian Life Insurance Company of America and its subsidiaries (“Guardian”) for all individual products underwritten and issued by Guardian and certain third-party insurers through guardianlife.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America and is a licensed agent for life, accident and health insurance products.

Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries and sold directly to individuals by DTC GLIC, LLC. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state.

[This advertising content is not currently intended for anyone in the state Arizona]

1 https://www.forbes.com/sites/carolinecastrillon/2022/10/02/top-ten-most-valued-employee-benefits/?sh=484cb9b321ac

2 Summary of Findings - 10020 | KFF

3 Guardian Once of Prevention Study, February 2024, Page 8

4 Guardian Dental Benefits 2020: Maintaining oral health during COVID019 and beyond, 2020, Page 3

5 https://www.ada.org/en/resources/research/health-policy-institute/coverage-access-outcomes

6 https://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/dental/art-20047475

7 https://www.aarp.org/health/medicare-insurance/info-2022/dental-coverage.html

8 https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10529870/

9 Guardian Once of Prevention Study, February 2024 based on Guardian Dental Claims Analysis, September 2023

Material discussed is meant for general informational purposes only and is not to be construed as dental advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. You should always consult a licensed professional when making decisions concerning oral care.

Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

Managed Care is underwritten and issued by (IL) – First Commonwealth Insurance Company, (MO) – First Commonwealth of Missouri, (IN) – First Commonwealth Limited Health Services Corporation, (MI) – First Commonwealth Inc., (TX) – Managed DentalGuard, Inc. (DHMO), (NJ) – Managed DentalGuard, Inc., (FL, NY) – The Guardian Life Insurance Company of America. All First Commonwealth and Managed DentalGuard, Inc. entities referenced are wholly-owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states.

DTC GLIC, LLC., (d/b/a DTC GLIC Insurance Sales, LLC in California) (“DTC GLIC, LLC”) is the agent for The Guardian Life Insurance Company of America and its subsidiaries (“Guardian”) for all individual products underwritten and issued by Guardian and certain third-party insurers through guardianlife.com. DTC GLIC, LLC is a wholly owned subsidiary of The Guardian Life Insurance Company of America and is a licensed agent for life, accident and health insurance products.

Individual dental insurance products are underwritten by The Guardian Life Insurance Company of America, New York, New York or by one of its wholly owned subsidiaries and sold directly to individuals by DTC GLIC, LLC. Products are not available in all states. Policy limitations and exclusions apply. The actual limitations and exclusions that apply to your Dental Plan are governed by the policy forms approved for use in your state.

[This advertising content is not currently intended for anyone in the state Arizona]