1. Getting Off on the Right Foot Group LTD with Conversion Program John Q. Agent Agency Name

2. Unique Benefit Program High quality group LTD benefits during residency/student years Opportunity to convert to an individual disability insurance policy upon completion without medical underwriting A Unique Disability Benefit Program for Your Students, Residents and Fellows

3. Residency Program Advantages Lower initial cost during residency Quality benefit provisions to meet disability needs No medical exam necessary

4. Student Program Lower initial cost during student years Quality benefit provisions to meet disability needs No medical exam necessary Advantages

5. Group LTD Plan Features Definition of disability Covered disabilities Elimination period: 90 or 180 days Benefit duration: up to Social Security’s normal retirement age Partial disability: 50% offset with earnings Work incentive benefit

6. Group LTD Plan Design Options 60% or 70% of salary, or flat $3,000 monthly benefit (before benefit offsets) Delayed cost of living adjustment Survivor benefit

7. Group LTD Plan Design Options (cont’d) Student loan payout benefit* Additional benefit for severe functional disabilities, either Lump sum benefit** or Additional monthly benefits *Not available in all states. **Functional Disability Definition applies.

8. Group LTD Advantages Ease of administration – single long term disability policy issued to plan holder Disability claim management services Non-medical conversion privilege to individual disability insurance upon completion of program

9. Individual Disability Income Insurance Simplified underwriting for individual disability insurance with no medical or financial questions Guaranteed premiums: Level Graded Coverage is portable Advantages

10. Individual Disability Income Insurance (cont’d) Advantages Coverage cannot be terminated before age 65 and is renewable for life if working full time. Policy features guaranteed not to change Includes coverage for total disability Optional coverage for residual disability

11. Individual Income Insurance Features True own occupation definition of total disability Covered disabilities Injury or sickness Incurred on or off the job

12. Elimination period: 3 months* 6 months, or One year Competitive monthly maximums Combination of base plus, SIS, Student Loan Protection and/or FIO Benefit duration: 2 years 5 years, or To age 65 (but not longer than the group LTD period) period Individual Income Insurance Features (cont’d) *But not shorter than the group LTD period

13. Capital Sum Benefit Optional riders available: Residual Disability Benefit Future Increase Option Social Insurance Substitute Option for Student Loan Protection Individual Income Insurance Features (cont’d)

15. Disability insurance products underwritten and issued by the Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY or provided by Guardian. Product provisions and availability may vary by state. Optional riders are available for an additional premium. The Guardian Group LTD Plan limits the duration of payments for long-term disabilities caused by mental or emotional conditions, or alcohol, or drug abuse. We do not pay benefits for charges relating to a covered person: taking part in any war or act of war (including service in the armed forces); committing a felony or taking part in any riot or other civil disorder; or intentionally injuring themselves or attempting suicide while sane or insane. We do not pay benefits during any period in which a covered person is confined to a correctional facility, an employee is not under the care of a doctor and the employee’s loss of earnings is not solely due to a disability. This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. Policy features may vary by state. If the plan is new (not transferred): This LTD plan does not pay charges relating to a pre-existing condition, unless the disability begins after the employee has been insurance for the specified number of months. Please refer to the plan documents for specific time periods. A pre-existing condition includes pregnancy and any condition for which an employee, in the specified period prior to coverage under this plan, consults with a physician, receives treatment, or takes prescribed drugs. GP-I-TD2K-1.0, et al. Rep or agency disclosure (if any) Pub4465BL-PPT (5/13) 2013-04255 (Expires 05/15) The Guardian Life Insurance Company of America New York, NY 10004