AcVRaOR]RSWcb^SSRaRQOh 8dMaQWM] AF:6D36@67;FE BaR͹6gWbcW]U  4^]QWcW^]  >W\WcMcW^]͛ 2_aR͹RgWbcW]UP^]QWcW^] W]PZdQRbM]hP^]QWcW^]S^afVWPVh^d͜W]cVRb_RPWSWRQcW\R_Ra W^Q _aW^ac^P^eRaMURW]cVWb_ZM]͜P^]bdZcRQfWcVM_VhbWPWM]͜aRP RWeRQ caRMc\R]c͜^ac^^Y_aRbPaWORQQadUb͙ 4D;F;42>  ;>>@6EE  \^]cVb_aW^a͜ \^]cVbMScRa 4M]PRa  HMPPW]R  3R]RSWc Ά _RaZWSRcW\RS^aaRPRWeW]UMPM]PRaeMPPW]R I6>>@6EE  36@67;F 6\_Z^hRRBRaKRMa>W\Wc Ά  E_^dbRBRaKRMa>W\Wc Ά  4VWZQBRaKRMa>W\Wc Ά  4^]QWcW^]  5RSW]WcW^]b ́ Eca^YR͛Eca^YR\dbcORbReRaRR]^dUVc^PMdbR]Rda^Z^UWPMZQRS WPWcbMcZRMbc QMhbMScRacVRReR]c͙ ́ :RMac7MWZdaR͛2]W]bdaRQ\dbcOR_ZMPRQ^]M]^aUM]caM]b_ZM] cZWbcW]^aQRac^ORRZWUWOZRS^acVR:RMacSMWZdaROR]RSWcb͙ ́ 4^a^]Mah2acRaW^bPZRa^bWb͛4^a^]Mah2acRaW^bPZRa^bWb\dbcORb ReRaRR]^dUVc^aR`dWaRMP^a^]MahMacRahOh_MbbUaMSc͙ ́ AaUM]7MWZdaR͛AaUM]SMWZdaRW]PZdQRbO^cVZd]Ub͜ZWeRa͜_M]Pa RMb^aO^]R\Maa^fM]QaR`dWaRbcVRW]bdaRQc^OR_ZMPRQ^]M]^aUM] caM]b_ZM]cZWbc͙ ́ =WQ]Rh7MWZdaR͛2]W]bdaRQ\dbcOR_ZMPRQ^]M]^aUM]caM]b_ZM ]cZWbcW]^aQRac^ORRZWUWOZRS^acVR=WQ]Rh SMWZdaROR]RSWcb͙ 6J4>GE;A@E  2@5  >;?;F2F;A@E 2EG??2DKA7B>2@>;?;F2F;A@E2@56J4>GE;A@E7AD 4D;F;42>;>>@6EE͛ IRfWZZ]^c_MhOR]RSWcbS^acVR7WabcAPPdaaR]PR^SM4aWcWPMZ;ZZ]RbbWSWc ^PPdabZRbbcVM] \^]cVbMScRacVR7WabcAPPdaaR]PR^SMaRZMcRQ4aWcWPMZ ;ZZ]RbbS^afVWPVcVWbBZM]_MWQOR]RSWcb͙3haRZMcRQfR\RM]R WcVRa͈͛M͉ O^cV4aWcWPMZ;ZZ]RbbRbMaRP^]cMW]RQfWcVW]cVR4M]PRaDRZMcRQ 4^]QWcW^]bPMcRU^ah͝^a͈O͉O^cV4aWcWPMZ;ZZ]RbbRbMaRP^]cMW] RQfWcVW]cVR HMbPdZMa4^]QWcW^]bPMcRU^ah͙IRfWZZ]^c_MhOR]RSWcbS^aMER P^]Q ^PPdaaR]PR͈aRPdaaR]PR͉^SM4aWcWPMZ;ZZ]Rbbd]ZRbbcVR4^eRaR QBRab^] VMb]^cRgVWOWcRQbh\_c^\b^aaRPRWeRQPMaR^acaRMc\R]cS^acVMc4aWcWPMZ ;ZZ]RbbS^aMcZRMbc \^]cVbW]Ma^f_aW^ac^cVRaRPdaaR]PR͙ 7^a _da_^bRb^ScVWbRgPZdbW^]͜PMaR^acaRMc\R]cQ^Rb]^cW]PZdQR͛ ͈ ͉ _aReR]cWeR\RQWPMcW^]bW]cVRMObR]PR^SQWbRMbR͝M]Q͈ ͉ a^dcW ]R bPVRQdZRQS^ZZ^f͹d_eWbWcbc^M5^Pc^a͙ IRQ^]^c_MhOR]RSWcbS^aPZMW\baRZMcW]Uc^MP^eRaRQ_Rab^]͛ cMYW]U _MacW]M]hfMa^aMPc^SfMa͈W]PZdQW]UbRaeWPRW]cVRMa\RQS ^aPRb͉ P^\\WccW]UMSRZ^]h^acMYW]U_MacW]M]haW^c^a^cVRaPWeWZQWb^aQRa^a W]cR]cW^]MZZhW]XdaW]UcVR\bRZeRb^aMccR\_cW]UbdWPWQRfVWZRbM]R^a W]bM]R͙ 6\_Z^hRRb\dbcORZRUMZZhf^aYW]UW]cVRG]WcRQEcMcRbW]^aQRac^OR RZWUWOZRS^aP^eRaMUR͙G]QRafaWcW]U\dbcM__a^eRP^eRaMURS^a R\_Z^hRRb^]cR\_^aMah MbbWU]\R]c͈͛M͉RgPRRQW]UhRMa͝^a͈O͉W]M]MaRMd]QRacaMeR ZfMa]W]U OhcVRGE5R_Mac\R]c^SEcMcR͜bdOXRPcc^bcMcRb_RPWSWPeMaWMc W^]b͙ 8dMaQWM]ͭb4aWcWPMZ;ZZ]Rbb_ZM]Q^Rb]^c_a^eWQRP^\_aRVR]bWeR \RQWPMZ P^eRaMUR͙;cWbMOMbWP^aZW\WcRQOR]RSWcM]QWb]^cW]cR]QRQ c^P^eRaMZZ \RQWPMZRg_R]bRb͙;cQ^Rb]^c_a^eWQRͩOMbWPV^b_WcMZͪͩ͜OMbWP \RQWPMZͪ͜ ^aͩ\RQWPMZͪW]bdaM]PRMbQRSW]RQOhcVR@RfK^aYEcMcR;]bdaM ]PR 5R_Mac\R]c͙ :RMZcV`dRbcW^]bMaRaR`dWaRQ^]͉ZMcRR]a^ZZRRbM]Q ͉ R]a^Z ZRRb^eRa MUR ͈]^cM__ZWPMOZRW]7>͉͙FVWbP^eRaMURfWZZ]^cORRSSRPc WeRd]cWZ M__a^eRQOhM8dMaQWM]d]QRafaWcRa͙ FVR _^ZWPh VMb RgPZdbW^]b M]Q ZW\WcMcW^]b cVMc \Mh W\_MPc cVR RZWUWOWZWch S^a ^a R]cWcZR\R]c c^ OR]RSWcb d]QRa RMPV P^eRaRQ P^]QWcW^]͙  ERR h^da PRacWSWPMcR O^^YZRc S^a M SdZZ ZWbcW]U ^S RgPZdbW^]b ̿  ZW\WcMcW^]b͙͙ ;S 4aWcWPMZ ;ZZ]Rbb W]bdaM]PR _aR\Wd\ Wb _MWQ S^a ^] M _aR cMg OMbWb͜  cVR OR]RSWc \Mh OR cMgMOZR͙  BZRMbR P^]cMPc h^da cMg ^a ZRUMZ MQeWb^a aRUMaQW]U cVR cMg caRMc\R]c ^S h^da _^ZWPh OR]RSWcb͙͙ 4^]caMPć8B͹͹4;͹ Guardian’s
Critical
Illness
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
limited
benefits
health
insurance
only.
It
does
not
provide
basic
h P spital, basic
medical
or
major
medical
insurance
as
defined
by
the
New
York
State
Department
of
Financial
Services. Policy
Form
#
GP-1-LAH-12R;
GP-1-CI-14 4aWcWPMZ;ZZ]Rbb;]bdaM]PR 4^]cW]dRQ 16