2. The Guardian Life Insurance Company of America 7 Hanover Square, New York, NY 10004 BASICS #3 LIFE INSURANCE

3. Policy Provisions Important

27. Service to Your Clients: Knowledge of policy provisions, non-forfeiture options, and dividend options is essential to communicate the extraordinary value and flexibility of permanent life insurance.

28. Read The Guardian’s policies and riders to become familiar with how the choices you can offer to your clients will help them meet their financial planning needs. Service to Your Clients: