guardian vs. nml

The Guardian Advantage

Vantage Point—Competition Embraced

The Guardian Life Insurance Company of America New York NY 10004-4025

Product Type Guardian Northwestern Mutual1

Whole Life Yes Yes

Paid Up at Age 65 Yes Yes

Paid Up in 20 Years Yes No

Paid Up in 10 Years Yes No

Single Premium Yes Yes

Universal Life – Hybrid2 Yes No

Universal Life – SG3 Yes Yes

High Early Cash Value Yes No

$1,000,000, Male, Age 45, Best Class4

Guardian Northwestern Mu-tual

Advantage

Premium

Lowest Base Premium L1215 Adjustable CompLife5 Guardian

Lowest Natural Offset Year L995, 6 Adjustable CompLife Guardian

Cash Value Internal Rate of Return

Year 1 L121 w/ EPUA6 90 Life Guardian

Year 10 L955 90 Life Guardian

Year 20 L99 Adjustable CompLife Guardian


Death Benefit Internal Rate of Return




Comparing Guardian and Northwestern MutualWhat Sets Guardian apart from Northwestern Mutual? Among other things, our product breadth, policy options, and financial strength provide our clients with a significant value proposition. Let us take a look at why so many choose to do business with us.

Portfolio Breadth: Guardian’s policies are designed to meet the specific needs and objectives of your clients:

1 Source: Company publications.2 Secondary Guarantee Rider and Cash Value Enhancement Rider available on a current assumption UL chassis3 Single life and survivorship UL SG are not available for sale by brokers.4 Values based on 2012 dividend scale. Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors. If a policy is being

considered for purchase, the agent must provide a complete company illustration to the client. Please refer to the complete illustration for guaranteed values and other important information.

5 Guardian’s L95 premium is $21,850, the L99 premium is $18,800, and the premium for the L121 is $15,430. The premium for Northwestern Mutual’s Adjustable CompLife is $19,870.

6 Guardian’s IRR in Year 1 is based on adding EPUA to the L121 product to equal Northwestern Mutual’s base policy premium of $19,870. Premiums for Guardian are payable to age 121 and premiums for Northwestern Mutual are payable until age 121.

Pub 4765 (05/12) 2012—3388

The Guardian Life Insurance Company of America New York NY 10004-4025

Guardian8 Northwestern Mutual8

A.M Best A++ A++

Standard and Poor’s AA+ AA+

Moody’s Aa2 Aaa

Fitch Ratings AA+ AAA

COMDEX* 99 100

Capitalization Ratio 15.5% 12.1%

Guardian Northwestern Mutual

Accelerated Benefit Terminal and Chronic Terminal

Wavier of Premium 5-Year “own occ” 2-Year “own occ”

Guaranteed Insurability 8 dates/$250,000 max 7 dates/$125,000 max

EPUA Rider Fee 5% 9%

DuoGuard Three options available None

Term Blend Conversion Initial 10 years Not convertible

Financial Strength: Guardian and Northwestern Mutual are among the Top 1% of the 500 insurance companies reviewed by the major financial rating agencies and published in Vital Signs7.

Policy Options: Guardian’s robust rider features add significant value.

Guardian has it all. A mutual company that has top ratings from major rating agencies, breadth of product and rider options, and a robust Home Office and field support, help you take a holistic approach to your finances.

Questions? Contact Life Product Development and Support 800-871-7780 option 2.

8 Source: Vital Signs (02/2012)9 Source: Ratings from Vital Signs (02/2012). Capitalization ratio from company’s statutory reporting of December 31, 2011.

*COMDEXisacompositeindexcreatedfromvariouscurrentfinancialstrengthratingagencies.Itgivesacompany’sstanding,from1to100,inrelationtocompanies that have been rated.

Financial information concerning The Guardian Life Insurance Company of America as of 12/31/11 on a statutory basis: Admitted Assets = $35.1 Billion; Liabilities = $30.5 Billion (including $26.8 Billion of Reser ves); and Surplus = $4.6 Billion.

Policy Form Numbers: 10 Pay WL: 11-WL 10, 20 Pay WL - 10-L20, Life Paid up at age 65 - 10-L65, Life Paid up at age 95: 06-WL (2011), L99, L121: 06-WL, Single Premium - 06-WL, Current Assumption Universal Life - 10-CAUL, Life Paid up at age 95: 06-WL (2011), Life Paid up at age 99, Life Paid up at age 121: 06-WL, Universal Life Secondary Guarantee (ULSG),12-UL SG

guardian vs. nml

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