References

1. https://www.limra.com/en/newsroom/news-releases/2020/2020-insurance-barometer-study-reveals-a-significant-decline-in-life-insurance-ownership-over-the-past-decade/

2 All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the issuing insurance company's claims-paying ability.

3 Dividends are not guaranteed. They are declared annually by Guardian's Board of Directors. The total dividend calculation includes mortality experience and expense management as well as investment results.

4 Some whole life policies do not have cash values in the first two years of the policy and don't pay a dividend until the third year. Talk to your financial professional and refer to your individual whole life policy illustration for more information.

5 Universal Life Insurance may lapse prematurely due to inadequate funding (low or no premium), an increase in the cost of insurance rates as the insured grows older, and a low interest crediting rate. This does not apply to universal life policies which have a secondary guarantee, but if the secondary guarantee requirements are not met, the policy will most likely lapse.

6. The Human Life Value method of estimating life insurance needs:

7. Sources: S&P Global Market Intelligence; Claritas Pop-Facts. Data based on ordinary premiums within the National Association of Insurance Commissioners regulatory statements. From https://www.nerdwallet.com/blog/insurance/average-life-insurance-rates/

8 https://www.jdpower.com/business/press-releases/2022-us-individual-life-insurance-individual-annuity-studies

9 https://www.nerdwallet.com/blog/insurance/guardian-life-insurance/

10 Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

11 Financial information concerning Guardian as of December 31, 2022, on a statutory basis: Admitted assets = $76.0 billion; liabilities = $67.2 billion (including $55.0 billion of reserves); and surplus = $8.8 billion.

12 Riders may incur an additional cost or premium. Riders may not be available in all states.