The Guardian Life Insurance Company of America

About

Established in 1860 and consolidated in the State of New York, Guardian is the fourth biggest U.S. common

disaster protection organization taking into account statutory excess of $5.0 billion as of December 31, 2013, as per companion information aggregated by the National Association of Insurance Commissioners (the "NAIC"). Watchman fundamentally works in the customary extra security business, additionally gives, specifically or through its auxiliaries, a wide scope of gathering, incapacity, and retirement items and administrations, and also venture administrations. The Company gives its items and administrations to people, enterprises and different establishments in each of the 50 conditions of the United States and the District of Columbia. Gatekeeper's significant backups incorporate Berkshire Life Insurance Company of America ("BLICOA") and The Guardian Insurance & Annuity Company, Inc. ("GIAC"). As of December 31, 2013, Guardian had complete resources of $42.1 billion, aggregate life coverage in-power of $483.1 billion and statutory overflow of $5.0 billion. For the year finished December 31, 2013, Guardian produced downright premium pay of over $8.7 billion, net pick up from operations of $220 million, and net pay of $286 million. Watchman's protection budgetary quality/cases paying capacity is appraised AA+ (Very Strong) by Standard & Poor's Ratings Services, a Standard & Poor's Financial Services LLC business ("Standard & Poor's"), Aa2 (Brilliant) by Moody's Investors Service, Inc. ("Moody's"), AA+ (Very High) by Fitch IBCA ("Fitch"), and

A++ (Superior) by A.M. most excellent  Company, Inc. ("A.M. Best"). Moody's, Fitch, and A.M. Best at present report a stable viewpoint for Guardian's protection monetary quality/cases paying capacities rating, while Standard & Poor's reports a negative point of view toward Guardian's evaluating. Gatekeeper, together with its auxiliaries, is a monetary administrations bunch that tries to give appealing esteem for policyholders and clients by giving a wide cluster of separated items and administrations, while meaning to accomplish solid money related results. In seeking after this technique, Guardian's directing guideline is to empower its clients to acquire budgetary achievement while securing their families and organizations. To attain to this objective, Watchman concentrates on creating and disseminating a wide arrangement of money related items and administrations, keeping up what it accepts to be reasonable guaranteeing measures and cost control, and seeking after resource/risk administration rehearses that it considers progressive. The chief product offerings of Guardian and its real backups are composed in the three sections

put forward beneath:  

1) Singular Insurance items incorporate individual disaster protection and individual incapacity wage protection items. Singular disaster protection items incorporate taking an interest entire life protection, widespread life coverage, term extra security and variable all inclusive disaster protection. Singular incapacity pay protection items, which are sold by BLICOA, incorporate singular incapacity pay protection and multi-life handicap salary protection.

2) Bunch Insurance items incorporate dental, vision, life, coincidental demise and dissection ("AD&D"), short- and long haul incapacity, stop misfortune, nonattendance administration organization and supplemental items, for example, mishap, tumor and discriminating ailment.

3) Retirement Products and Services, which plan to meet a singular's retirement needs through items and projects, are sold by GIAC. These items incorporate individual altered and variable annuities, and characterized commitment/401(k) items.

Gatekeeper disperses its individual items basically through a profession operators power, which comprises of offices oversaw by general operators and vocation improvement directors, and profession specialists and agents who offer items specifically to the client. As of the date of this Memorandum, Guardian had more than 3,200 profession specialists in 89 general offices and Guardian-oversaw organizations. Gatekeeper conveys its gathering items through gathering deals agents, merchants, advantage specialists and profession operators. At December 31, 2013, Guardian had 250 gathering deals experts and more than 16,000 dynamic gathering agents and profit advisors. Gatekeeper's profession operators deals power offers items for Guardian (singular life coverage and gathering items), GIAC (remarkable annuities and characterized commitment/401(k)) and BLICOA (singular incapacity items), subject to material permitting and arrangement necessities. The profession specialists framework offers most of the individual disaster protection items what's more, an expansive part of the individual handicap and annuity items. Singular incapacity pay items are additionally sold by merchants connected with general specialists. Singular annuity items are likewise sold through the autonomous financier channel. At present, most of the gathering business, and in addition characterized commitment/ 401(k) business, is sold utilizing Guardian deals agents or wholesaling associations through dealers. Gatekeeper expects this part of offers through the different circulation channels to proceed for years to come.