Roxana McKinney is a Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY.
The Guardian Network® is a network of preferred providers authorized to offer products of Guardian, New York, NY and its subsidiaries. Strategies for Wealth and White Rhino Financial are independent agencies and not affiliates or subsidiaries of Guardian.
Park Avenue Securities LLC (PAS) is a wholly owned subsidiary of The Guardian Insurance & Annuity Company, Inc. (GIAC) and an indirect, wholly owned subsidiary of Guardian. PAS is a registered broker-dealer offering investment products, as well as a registered investment adviser offering financial planning and investment advisory services. PAS is a member of FINRA and SIPC.
The ratings of Guardian quoted in this report are as of December 31, 2017, and are subject to change. The ratings earned by Guardian do not apply to the investments offered through PAS.
Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.
Financial information concerning Guardian as of December 31, 2017, on a statutory basis: Admitted Assets = $55.6 Billion; Liabilities = $48.9 Billion (including $41.8 Billion of Reserves); and Surplus = $6.7 Billion.
Financial information concerning GIAC as of December 31, 2017, on a statutory basis: Admitted Assets = $17.4 Billion; Liabilities = $17.0 Billion (including $3.4 Billion of Reserves); and Capital and Surplus = $0.3 Billion.
Financial information for Berkshire Life Insurance Company of America as of December 31, 2017, on a statutory basis: Admitted Assets = $3.7 Billion; Liabilities = $3.5 Billion (including $0.8 Billion in Reserves); and Capital and Surplus = $0.2 Billion.
Guardian’s website (guardianlife.com) contains, under the "Corporate Governance" heading, in the "About Guardian – Corporate Governance" section, copies of Guardian’s Charter, Bylaws, Corporate Governance Guidelines, Audit and Risk Committee Charter, Human Resources and Governance Committee Charter, Investment Committee Charter, and Product and Distribution Committee Charter.
Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation.
These are the personal views of a select group of individuals and may not represent the experience of other individuals or clients. These opinions are not indicative of future performance or results.
Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.
Life Insurance policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.
Guardian's Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE –THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. Policy Form # GP-1-AC-BEN-12, et al.
Guardian's Critical Illness, Long Term Disability and Short Term Disability Insurance policies are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. These policies provide limited benefits health insurance only. They do not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Policy Forms # GP-1-CI-14, # GP-1-LTD07-1.0, et al. # GP-1-STD07-1.0, et al.
DentalGuard Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. This policy provides DENTAL insurance only. Policy Form # GP-1-DG2000.
Guardian Group Life Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Forms # GP-1-LIFE-15 (Group Term Life) and # GP-1-GPL-14 (Voluntary Permanent Life).
An individual’s eligibility for benefits is determined on a case-by-case basis, taking into consideration the factual circumstances presented as well as the terms and conditions of his/her policy(ies).
Guardian does not issue nor underwrite Worker’s Compensation Insurance.
KEY GUARDIAN SUBSIDIARIES AND AFFILIATES
Access Dental Services, LLC
Avēsis Incorporated
Berkshire Life Insurance Company of America
First Commonwealth, Inc.
GIS Strategic Ventures, LLC
Guardian India Operations Private Limited
Guardian Investor Services LLC
The Guardian Insurance & Annuity Company, Inc.
Innovative Underwriters, Inc.
Managed Dental Care/Managed DentalGuard, Inc. companies
Park Avenue Institutional Advisers LLC
Park Avenue Life Insurance Company
Park Avenue Securities LLC
Premier Access Insurance Company/Access Dental Plan companies
ReedGroup
STX Healthcare Management Services, Inc.
