*Comdex is not a rating but a composite of all ratings that a company has received from the four major ratings agencies (A.M. Best, Fitch, Moody’s, and Standard & Poor’s). Comdex represents a company’s percentile standing on a scale of 1 to 100 (with 100 being the best) in 2022 in relation to other companies that have been rated by the major agencies. Ratings are of December 31, 2022 and are subject to change.

1 All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.

2 Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial representative and refer to your individual whole life policy illustration for more information.

3 Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. The information provided is based on our general understanding of the subject matter discussed and is for informational purposes only

4 https://news.ambest.com/articlecontent.aspx?refnum=311810&altsrc=2

5 Other financial related requirements may apply.