The Guardian Life Assure Plan provides life insurance coverage along with facilitating investment in one or more of five funds. Investment under this plan is mandatory. A feature of the Guardian Assure will be the accumulation of fund value between two accounts, namely the Coverage Account and the Investment Account. The Coverage Account will track the accumulation of value resulting from payment of Basic Premium amounts and deduction of expense charges and one-year term insurance charges (or mortality charges). The Investment Account will reflect the accumulation of value resulting from the payment of Regular and Ad-hoc Investment Premium amounts.

The allowable issue ages are 0 to 75. The plan will be sold on an age nearest birthday basis, features a minimum policy size of $3,500,000 and a minimum Regular Investment Premium of $500 monthly.

Additional Benefits are available such as the waiver of premiums, parental waiver of premiums, accidental death and permanent disability, 5-year term insurance to age 70, 8 critical illnesses up to $6M between ages 16 and 55.

Choice of Funds

The available investment funds under the Guardian Assure plan are:

• Guardian Equity Fund

• Guardian Money Market Fund

• Guardian Long Term Growth Fund

• Guardian Stabilization Fund

• Guardian Foreign Currency Indexed Fund

The Premium types payable are

• Basic Premium

• Regular Investment Premium

• Ad-hoc Investment Premium