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We understand the recent turmoil in the banking industry has caused market uncertainty and further scrutiny of financial institutions. At Guardian, we take pride in our exceptional financial strength and strong risk discipline. We are proud to uphold that commitment today.

Our financial position is strong: Guardian continues to be one of the most highly rated insurance companies in the U.S. We hold Superior A++ ratings from A.M. Best Company, a Very Strong AA+ rating from Standard and Poor’s, and an Aa1 rating from Moody’s1. This recognition is a testament to our financial stability and our experience navigating risk of all kinds since our inception in 1860. Our investment portfolio maintains exceptional liquidity, and our investment team continues to focus on the breadth and diversification of that portfolio while closely monitoring the economic situation overall.

As highlighted in our recent 2022 dividend press release, we had our largest dividend payout in our 163-year history. Guardian’s $1.26 billion dividend allocation reflects our unwavering commitment to our mutuality, and our policyholders' financial well-being.

Throughout our history, we have always maintained the financial strength to honor every policyholder claim, amid recessions, economic uncertainty, and challenging market conditions alike and we remain committed to the financial well-being of our consumers.

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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.

_1_Ratings as of 9/2023 and are subject to change. Source: Vital Signs and Third-Party Rating Agencies. The ratings earned by Guardian do not apply to the investments issued by GIAC or distributed through PAS.