The Guardian Life Insurance Company of America (Guardian) and Berkshire Life Insurance Company of America (Berkshire)

About Guardian

A mutual insurer founded in 1860, The Guardian Life Insurance Company of America and its subsidiaries are committed to protecting individuals, business owners and their employees with life insurance, disability income insurance, dental insurance products, and offer funding vehicles for 401(k) plans, annuities and other financial products. Guardian operates one of the largest dental networks in the United States, and protects more than six million employees and their families at 115,000 companies. The company has approximately 5,000 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

For more information about Guardian, please visit: www.GuardianLife.com

Available Information:

Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, or NY, or provided by Guardian. Product availability, provisions and features may vary from state to state. Charles Krugh, Full-time Agent of The Guardian Life Insurance Company of America, New York, NY. Charles Krugh is insurance licensed in all 50 states. California Insurance Id #0B12796. Guardian, its subsidiaries, agents or employees do not give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.