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.

Financial information concerning Guardian as of December 31, 2021, on a statutory basis: Admitted Assets = $72.1 Billion; Liabilities = $63.5 Billion (including $51.8 Billion of Reserves); and Surplus = $8.6 Billion.

J.D. Power 2022 Certified Customer Service ProgramSM recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/ccc.

Source: https://www.moodys.com/research/Moodys-upgrades-Guardian-Aa1-IFS-outlook-changed-to-stable--PR_1000006661

Comdex is another strong metric used in evaluating insurance companies. A Comdex is a composite score averaging the ratings of the major insurance rating organizations, including A.M. Best, Fitch, Moody’s and S&P. Comdex is not a rating, but rather, a ranking based on the average of all the different ratings these different organizations give an insurance company. Comdex percentile ranks the companies on a scale of 1 to 100 (with 100 being the best). Ratings are as of 12/9/2022 and are subject to change.