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

ANNUITY PRODUCTS

Fixed Annuities

Plan Name	Description	Issue Ages
PT Retirement Annuity	Fixed premium guaranteed annuity	15-75
The Guardian Tradition	Single Premium Deferred Annuity	0-85

Variable Annuities

Variable Annuity Products available only to:

Registered Representatives of Park Avenue Securities and
Registered Representatives of Broker Dealers holding a Selling Agreement for these products

Variable annuities available...

Plan Name	Description	Issue Ages
Guardian Investor Retirement Asset Manager^SM	Variable Annuity with 31 Subaccounts	0-85
The Guardian C+C Annuity^SM	Variable Annuity with 31 Subaccounts; lower surrender charges, lower commissions	0-85

The Guardian Retirement Asset Manager^sm variable annuity ("RAM"), The Guardian C+C^sm variable annuity (C+C) and The Guardian Tradition single premium fixed deferred annuity are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware corporation. Guardian Investors Service Corporation ("GISC") serves as the distribution or RAM and C+C. RAM and C+C offer a wide variety of investment options and are sold by prospectus only. The prospectus contains important information, including fees and expenses. To obtain a prospectus please call 1-800-221-3253, option 2,3. Please read the prospectus carefully before investing or sending money. GISC and GIAC are located at 7 Hanover Square, New York, NY 10004, 1-800-221-3253. GISC and GIAC are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. GISC is a member of NASD, SIPC.

All products may not be available in all states or jurisdictions. Securities products and services are offered through Park Avenue Securities, LLC (PAS), 7 Hanover Square, New York, NY 10004: 1.888.600.4667. PAS is an indirect wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. FH Financial is not an affiliate or subsidiary of PAS. PAS is a member NASD, SIPC

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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.