Career Description

© Copyright 2009 Guardian Life Insurance Company of America, New York, NY

Career PresentationCareer Presentation

YOUR CAREER! YOUR SUCCESS!YOUR CAREER! YOUR SUCCESS!

© Copyright 2009 Guardian Life Insurance Company of America, New York, NY2

THE FINANCIAL SERVICES INDUSTRY

THE FINANCIAL SERVICES INDUSTRY


The Financial Services Industry

The Financial Services Industry

Financial Services encompasses a broad range of organizations that deal with the management of money

We are more than players in the financial services market, we are financial strategists

As a Financial Strategist, you provide your clients with a detailed overview of their current financial situation and suggests a personalized strategy for their financial security


THE GUARDIAN: A BRIEF OVERVIEW

THE GUARDIAN: A BRIEF OVERVIEW


Guardian: A Brief OverviewGuardian: A Brief Overview Founded in 1860,Guardian turns 150 years old in

2010

A Mutual Company owned by our policyholders

Fortune 500 Rank – No. 279

Rating Agency Insurance Financial Strength Profile

Standard & Poor’s AA+ (Very Strong) Fitch Ratings AA+ (Very Strong) AM Best A++ (Superior) Moody’s Aa2 (Excellent)

*Financial information concerning The Guardian Life Insurance Company of America as of 12/31/09 on a Statutory Basis: Admitted Assets = $42.7Billion; Liabilities = $38.3 Billion (including $28 Billion of Reserves); and Surplus = $4.4 Billion.


YOUR CAREER: FINANCIAL STRATEGIST

YOUR CAREER: FINANCIAL STRATEGIST


Your Career: Financial StrategistYour Career: Financial Strategist Also referred to as Financial

Representative (FR), the Financial Strategist embodies a diverse approach using comprehensive financial tools and services to facilitate their client’s needs and turn dreams into realities

To be a Financial Representative is to be passionate about the people you serve and their financial betterment

The reward is both personal and professional


Why Guardian?Why Guardian? As a new Financial Representative,

Guardian and The Producers Group, Inc. will support you extensively throughout your long-term career with

Training & Educational Development

Career Growth

Wealth Accumulation

Outstanding Benefits

The Living Balance Sheet®


DO GOOD. DO WELL. DO IT YOUR WAY.

DO GOOD. DO WELL. DO IT YOUR WAY.


Do Good. Do Well. Do It Your Way.Do Good. Do Well. Do It Your Way. At The Producers Group, Inc., you are in the rare position

of being a part of an entrepreneurial enterprise that is supported by Guardian

It means you can DO GOOD – by developing relationships with your clients that are based on integrity rather than sales quotas, therefore providing your clients with sound financial recommendations to help them achieve financial freedom

It means you can DO WELL – to further your success that have established Guardian FRs as top earners with a contract that is one of the most lucrative in the industry

Finally, it means you can DO IT YOUR WAY – you work for yourself, but not by yourself. Your success is determined solely by your ambition, but we make sure to extensively support your growth all the way, from the start


Over 80 Field Offices in the United States

Agency field force made up of over 3,000 Financial Representatives

Guardian’s Professional Field ForceGuardian’s Professional Field Force


Industry Production ComparisonIndustry Production Comparison

*2008 Total number of FRs in the survey was 3,659. **LIMRA: 2008 Results for Size A Category (Largest Company).

Industry Average (LIMRA)**

$44,310

GuardianFinancial

Representatives*

$107,269


2008 Top FR Earnings Average2008 Top FR Earnings AverageSalary, Incentive Compensation & Commission

Guardian’s Top 10 FRs averaged $1,325,2265


Guardian’s Top 50 FRs averaged $830,899





















Guardian’s Top 1000 FRs averaged

$256,433

*Total number of FRs in the survey was 3,659.

**Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4667. Park Avenue Securities LLC and the Guardian Insurance & Annuity Company, Inc. are wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY.

PAS is a member of FINRA & SIPC.


The Guardian Financial RepresentativeThe Guardian Financial Representative

Our Financial Representatives have been, and will always remain, our most effective way to reach out to consumers

Our Financial Representatives work in partnership with our consumers to assess their needs, wants and priorities

As a mutual company (not publicly traded), Guardian’s Financial Representatives give our consumers the best service possible with a promise that the company will be there, strong and solvent, decades from now to pay a claim, help fund a retirement, or help pay the bills for a nursing home

Guardian’s mission of enriching the lives of others by turning their dreams into realities takes a special kind of person – a Guardian Financial Representative


Passionate – Driven to Contribute

High Level of Integrity

Entrepreneurial Spirit Proud of Career Choice

Has a Wide “Natural” Market

Strong Communication

Cultivates Relationships Strong Work Ethic

Self Motivated and Focused

Track Record of Success

Attributes of a Guardian FRAttributes of a Guardian FR


Generalist Specialist Financial Planning Small Business Owners

Market Wealth Protection Estate Planning Wealth Accumulation Retirement Planning

Employee Benefits Disability Income*

Securities**

**Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4667. Park Avenue Securities LLC is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY.

PAS is a member FINRA & SIPC.

*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.

Guardian Career Path OptionsGuardian Career Path OptionsFinancial Representative Path


Management Specialist Sales Manager Training & Development Agency Administration Brokerage Manager

Equity Specialist Group Specialists LTC Specialist

*Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4667. Park Avenue Securities LLC is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY.

PAS is a member FINRA & SIPC.

Guardian Career Path Options*Guardian Career Path Options*

Management Path


Guardian Financial RepresentativeGuardian Financial Representative

Benefits and Compensation

Guardian Compensation Plan

Significant Retirement Savings

Extensive Insurance Coverage

Conference Recognition


Guardian Financial RepresentativeGuardian Financial Representative

Awards & Recognition Leaders Club

Executive Club

President’s Council

Chairman’s Council

Guardian Elite Status


Why FRs Join The Producers Group, Inc.

Why FRs Join The Producers Group, Inc.

Personal referral / family history

Local leader’s network and charisma

Environment of support and belief

Symbols of success

Solid management practices

Great agency culture


Why The Producers Group, Inc. Associates with Guardian

Why The Producers Group, Inc. Associates with Guardian

Long standing mutuality for 150 years

Excellent products

Excellent financial and investment performance

Independence from “corporate” structure

Competitive compensation

Established history of strength and stability


The Living Balance Sheet®The Living Balance Sheet®


In our present economy, products have become more of a commodity than a reliable source

As a Financial Strategist, you are the key differentiator among your competitors

And, with The Living Balance Sheet®, you provide your clients with a cutting-edge application that will drive results for you and your clients – what we call “Achieving Financial Balance”

The Living Balance Sheet The Living Balance Sheet


The Living Balance Sheet® (LBS) is about providing your clients with organization, integration, strategy, exclusivity, and most importantly, control over their financial assets

Disclosure: The Living Balance Sheet® and Logo are registered trademarks of The Guardian Life Insurance Company of America.

The Living Balance Sheet The Living Balance Sheet

http://www.livingbalancesheet.com/


Traditional financial analysis may create a macroeconomic impact for your clients

LBS is an effective communication tool providing a more effective communication on the macroeconomic view of their clients financial status

LBS is designed to measure your client’s balance sheet (Assets - Liabilities = Net Worth) to determine your client’s future net worth

Macroeconomics of LBSMacroeconomics of LBS


A state-of-the-art financial services process

Financial organization

Integration of their net worth

Realization of their building wealth

What Retirement cash flows will probably look like

Protection of their assets and income

A legacy for their family or charity

LBS Helps Provide Your Clients With…LBS Helps Provide Your Clients With…


LBS SystemLBS System

Within each financial domain are 4 key potential benefits

You can use LBS to look for the financial products that produce the highest sustainable rate of return, at the lowest risk and at the same time provide the most benefits

Protection! Assets!Liabilities! Cash Flow!


Does this information intrigue you?

Do you have more questions about this wonderful career opportunity?

Just open the door and look in; this could be the greatest thing that

has ever happened to your career.

DO GOO. DO WELL. DO IT YOUR WAY.

At The Producers Group, Inc.

Does this information intrigue you?

Do you have more questions about this wonderful career opportunity?

Just open the door and look in; this could be the greatest thing that

has ever happened to your career.

DO GOO. DO WELL. DO IT YOUR WAY.

At The Producers Group, Inc.

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Career Description