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The first step in choosing a DI policy … Is Choosing the Right DI Company

The first step in choosing a DI policy … Is Choosing the Right DI Company.

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The first step in choosing a DI policy … Is Choosing the Right DI Company

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  1. The first step in choosing a DI policy …Is Choosing the Right DI Company Individual disability income products are 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, New York, NY. 8578A 2011- 4126

  2. Step 1: Choose the Right DI Company • Do no harm, • Choose a carrier with the strength • and stability to fulfill promises. • Key measures of financial strength • Ratings and Comdex • Capitalization Ratio • Company Surplus Growth

  3. Peer Ratings and Comdex Source: Vital Signs April 2011 Please consult with your financial advisor for complete details concerning the ratings stated above. Some of the ratings reflect the performance of the parent company and/or other entities related to the issuing insurer.

  4. Ratings and Comdex Highlights • How do Berkshire Life and Guardian rank? • Among the highest ratings with each major ratings agency • Guardian’s ratings reaffirmed in 2010 by S&P, AM Best Company and Fitch Berkshire Life is not rated by Moody’s & Fitch • Comdex is at the Core • Berkshire Life has a Comdex of 99  Guardian has a Comdex of 98 • Industry experts define a Comdex as: • Companies at 95 = “extremely safe”1 • Companies at 90 = safe • Companies at 85 = reasonably safe 1. Richard M. Weber, MBA, CLU, AEP and Chris Hause, FSA, MAAA, CLU, Life Insurance as an Asset Class: Managing a Valuable Asset

  5. Capitalization Ratio Companies with Average Cap Ratio Over 12.0% Companies with Average Cap Ratio Under 12.0% All information provided was obtained from each company’s statutory statements. Berkshire Life and Guardian are at the top.

  6. Surplus Growth A key indicator of a carrier’s ability to pay future claims. Source of capital for funding future growth. * Adjusted for M&A All information provided was obtained from each company’s statutory statements.

  7. Stack the Staying Power Berkshire Life and Guardian “top of the stack” Staying Power 1. Vital Signs April 2011 2. All information provided was obtained from each company’s statutory statements. 3. Berkshire Life Insurance Company of America, Pittsfield, MA, is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY

  8. Choose the Right Company • Berkshire Life/Guardian Staying Power • Top Tier Comdex Rankings: 99/98 • Top 1% in insurance company ratings rankings* • Best in Class Capitalization Ratio:18.2%/16.1% • Best in Class Surplus Growth: 10.9%/7.0% *Vital Signs April 2011. Berkshire Life is not rated by Moody’s or FitchVital Signs, a collection of published industry research, provides financial analysis of 718 participating carriers. Of those 718 companies, only 119 are rated by all four independent rating agencies; out of those 119 companies, only 12 have ratings comparable to Guardian’s; and the top four mutual life insurance companies (including Guardian) are among the TOP 1% of the 718 rated insurance companies.

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