Direction, Confidence, and Capability are three items essential for sustained success in today's economic world. First, as a financial professional, you need to know where your company is headed. Then you need to know your company can do what it says it's going to do. And finally, you must believe the company is able to get where it's going - empowering you to go there as well.

Direction
Providing our customers with strategies for life is Forest Hills Financial Group's overriding goal, something that will remain unchanged. The combination of putting the interests of our policyholders first, building on our existing strength, meeting customer needs through our high-quality distribution organizations, and making moves with an eye toward future growth will continue to drive our success going forward.

Guiding our direction are these foundational core values: We do the right thing; people count; and we hold ourselves to very high standards.

Confidence
Forest Hills Financial Group is a General Agency of The Guardian Life Insurance Company of America, New York NY. As a mutual life insurance company, Guardian can concentrate on the future interests of our customers instead of the short-term demands of Wall Street. Unlike stock companies, whose first allegiance is to their stockholders, Guardian operates completely in the interests of policyholders to provide the greatest amount of insurance for the lowest possible long-term cost. The long-term view allowed by mutuality makes it the ideal structure for ensuring that Guardian will be here to pay policy holder claims many years from now.

Capability At Guardian, we expect and reward forward thinking and creativity. If you're interested in developing a certain market, you can. If you're interested in gaining new knowledge and skills, we'll help. As a Guardian Financial Representative, Sales Manager or General Agent, it's up to you to define your career any way you want, and it's up to us to provide you with the tools and support you need to truly have it all.

One specific tool we offer which provides both you and your clients with Direction, Confidence, and Capability is Guardian's The Living Balance Sheet® (LBS).

* The Living Balance Sheet® (LBS) is an electronic wealth organizational platform designed to help your clients take appropriate actions to achieve desired results. The interactive platform enables you to:

• Securely organize and analyze client data
• Present current products and strategies
• Gather quality referrals
• Improve client management efficiency and communication
• Enhance your professional image
• Streamline back office systems
• Re-affirm the value of insurance protection

And LBS is just one of the many tools and resources you'll have to help ensure your clients always have the most comprehensive, state-of-the-art services in the industry available to them.

A Strong Company You Can Depend On

For 151 years, Guardian has provided direction, confidence, and capability to our policyholders and our employees. While dividends are not guaranteed, Guardian has paid a dividend every year since 1868. And in 2008 we declared the largest ever dividend payout in our history, paying a record $723 million dividend to policyholders in 2009, $60 million more than we did in 2008. Guardian is committed to distributing its products and services through a field force of financial professionals who can deliver the difference only the human touch can provide. The same values we apply to our clients also hold true for our employees and field partners. And at Forest Hills Financial Group, you work for yourself, but not by yourself.

To learn more about becoming a Financial Representative and take control of your career path, please contact recruiting@glic.com.

Financial information concerning The Guardian Life Insurance Company of America as of 12/31/10 on a statutory basis: Admitted Assets = $33.1 Billion; Liabilities = $28.7 Billion (including $25.1 Billion of Reserves); and Surplus = $4.4 Billion.
www.thelivingbalancesheet.com
The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2011, The Guardian Life Insurance Company of America