Forest Hills Financial Group - Life Insurance Product Listing

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Rego Park Office
95-25 Queens Blvd.
10th FL
Rego Park, NY 11374
718-268-9255
718-268-9268
nperlmutter@fhfg.com
aperlmutter@fhfg.com

New York Office
122 East 42nd. Street
Suite 2200
New York, NY 10168
212-687-8901
212-661-9655 aperlmutter@fhfg.com
nperlmutter@fhfg.com

Melville Office
200 Broadhollow Road
Suite 405
Melville, NY 11747
631-589-5400
631-589-2950 aperlmutter@fhfg.com
nperlmutter@fhfg.com

LIFE INSURANCE PRODUCT

Permanent Insurance - 2nd to Die Life Plans - General Account

Product	Survivorship Life	PT Estate Guard
Description	Guardians EstateGuard Whole Life insurance product was developed to answer the market demand for 2nd –to- die insurance. It is designed so that guaranteed cash values and dividends increase significantly at the first death, creating planning options that are not available with products that don’t change with the first insured dies. EstateGuard is a competitive vehicle for use in estate planning, wealth accumulation and – because it can also be issued to unrelated individuals for business planning.	For Qualified Plans
Minimum Face Amount	$100,000	$100,000
Issues Ages	Ages 20-90	Ages 20-90
Riders	Special riders available including EstateGuard DuoGuard, 2nd-to-die DuoGuard, and various Term riders.	Special riders available including EstateGuard DuoGuard, 2nd-to-die DuoGuard, and various Term riders.

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This information is intended for educational purposes only. It is for agent and broker use only. It is not for distribution to the public.

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Forest Hills Financial Group, Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS), 95-25 Queens Blvd., 10th Floor, Rego Park, NY 11374, 718-268-9255. Securities products and investment advisory services are offered through PAS, a registered investment advisor and broker-dealer. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Forest Hills Financial Group, Forest Hills Pension Services, and Forest Hills Group Services are not affiliates or subsidiaries of PAS or Guardian.

PAS is a member of FINRA / SIPC.

The Financial Representatives of Forest Hills Financial Group are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact our licensing department at 718-268-9255. Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and / or tax advisor for advice concerning your particular circumstances. Disability Income and Long Term Care products 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. Products not available in all states. Product provisions and features may vary from state to state.

Registered Representatives are securities licensed in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, and this website is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states.

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 2005-2009, The Guardian Life Insurance Company of America.

The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.