Strength. Growth. Innovation. When choosing a financial provider, it’s important to look into the history and core values that form a company’s foundation. Since 1860, Guardian has been committed to protecting clients so they can enjoy freedom from worries and uncertainties. Guardian provides individuals, businesses, and their employees with high quality products and services, sound advice and vision. The financial strategies they provide are backed by the company’s solid reputation and long-term focus.Their solid footing on unsteady ground illustrates how Guardian’s strength is deeply rooted and sustainable. It also reinforces growth and innovation with determination. Challenges do not go away, but Guardian is positioned to maximize every opportunity, as they stay vigilant. As they have for decades.“As a mutual company, we manage our company in the best interests of our owners, the policyholders. We have no stockholders, as publicly held insurance companies do. Because we’re unencumbered by obligations to manage to Wall Street’s short-term, quarter-to-quarter demands, we’re able to always focus on our top priority: our policyholders. Their interests come first.”Deanna M. MulliganPresident and Chief Executive Officer, Guardian“Guardian’s success as a company is a reflection of our continued commitment to providing clients with the highest level of service.”Donald P. Sullivan, Jr.Senior Vice President and Interim Head of Agency Distribution and Park Avenue Securities, Guardian The theme of Guardian’s 2013 Annual Report is “Shared Interests,” illustrating how the values, goals, and actions of our company are unified with those of our customers. The annual report’s multi-media website includes a series of videos that shows real customers and the Guardian people who work with them, spotlighting the many ways we enhance lives through our products and services. Financial information concerning The Guardian Life Insurance Company of America as of December 31, 2013 on a statutory basis: Admitted Assets = $42.1 Billion; Liabilities = $37.1 Billion (including $32.7 Billion of Reserves); and Surplus = $5.0 Billion.