GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Group Accident Only

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.44% 28,795 $385,086.00 $381,255.00 $0.00 $185,500.00 $187,464.00 49.17%
Missouri Total 100.00% 2,219,297 $87,537,941 $88,045,683 $119,142 $42,280,493 $43,315,043 49.20%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Group Comprehensive Medical Expense - Large Employer

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.62% 3,868 $5,548,583.00 $5,471,446.00 $0.00 $4,137,656.00 $4,181,466.00 76.42%
Missouri Total 100.00% 534,239 $901,961,338 $887,285,267 $241,601 $761,010,294 $770,559,414 86.84%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Group Comprehensive Medical Expense - Small Employer

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.31% 619 $2,179,503.00 $2,149,204.00 $0.00 $1,653,396.00 $1,670,902.00 77.75%
Missouri Total 100.00% 343,012 $711,249,400 $706,408,289 $0 $530,984,633 $536,413,416 75.94%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Group Dental

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 18.42% 153,383 $25,930,341.00 $25,990,966.00 $0.00 $17,475,581.00 $17,660,612.00 67.95%
Missouri Total 100.00% 585,831 $140,739,643 $139,581,389 $201 $97,860,234 $98,308,288 70.43%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Group Disability Income

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 2.03% 21,993 $4,215,721.00 $4,218,042.00 $0.00 $1,856,153.00 $1,875,806.00 44.47%
Missouri Total 100.00% 966,905 $207,926,823 $208,768,671 $12,202 $139,285,242 $148,519,747 71.14%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Life

Group Term Life

Market_Share Number of Insureds Direct Premium and Annuities Dividends Paid Direct Claims and Benefits Paid Life Insurance in Force Benefits Ratio
Company Total 1.41% 37,649 $4,901,853 $0 $2,676,250 $2,200,628 54.60%
Missouri Total 100.00% 2,776,226 $346,465,528 $3,769,039 $348,268,875 $137,313,054 100.52%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Individual Comprehensive Medical Expense

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.02% 11 $44,748.00 $44,362.00 $0.00 $45,728.00 $45,477.00 102.51%
Missouri Total 100.00% 176,477 $283,208,114 $283,113,051 $720 $188,257,721 $183,924,523 64.97%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Individual Disability Income

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 2.72% 1,275 $2,054,634.00 $1,702,225.00 $2,284.00 $449,990.00 $825,818.00 48.51%
Missouri Total 100.00% 125,665 $75,424,426 $76,643,511 $1,128,031 $44,821,395 $54,384,423 70.96%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Life

Individual Ordinary Annuities

Market_Share Number of Insureds Direct Premium and Annuities Dividends Paid Direct Claims and Benefits Paid Life Insurance in Force Benefits Ratio
Company Total 0.01% 3 $174,601 $0 $52,764 $0 30.22%
Missouri Total 100.00% 323,194 $1,266,302,842 $1,915,121 $823,503,089 $0 65.03%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Life

Individual Term Life

Market_Share Number of Insureds Direct Premium and Annuities Dividends Paid Direct Claims and Benefits Paid Life Insurance in Force Benefits Ratio
Company Total 0.15% 513 $460,420 $0 $0 $219,765 0.00%
Missouri Total 100.00% 682,356 $311,467,903 $10,173,738 $184,996,306 $93,566,603 59.39%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Life

Individual Whole Life

Market_Share Number of Insureds Direct Premium and Annuities Dividends Paid Direct Claims and Benefits Paid Life Insurance in Force Benefits Ratio
Company Total 1.54% 5,856 $11,095,700 $3,851,327 $7,161,536 $769,046 64.54%
Missouri Total 100.00% 2,308,146 $719,119,352 $323,220,961 $797,276,767 $66,887,681 110.87%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Total Accident & Health

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 1.05% 209,944 $40,358,616.00 $39,957,500.00 $2,284.00 $25,804,004.00 $26,447,545.00 66.19%
Missouri Total 100.00% 10,342,971 $3,852,900,654 $3,820,337,190 $1,631,763 $2,664,219,455 $2,730,742,332 71.48%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Total Group Accident & Health

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 1.33% 208,658 $38,259,234.00 $38,210,913.00 $0.00 $25,308,286.00 $25,576,250.00 66.93%
Missouri Total 100.00% 8,540,410 $2,878,594,040 $2,850,934,447 $443,521 $2,086,264,285 $2,118,878,045 74.32%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Life

Total Group Life

Market_Share Number of Insureds Direct Premium and Annuities Dividends Paid Direct Claims and Benefits Paid Life Insurance in Force Benefits Ratio
Company Total 0.15% 37,649 $4,901,853 $0 $2,676,250 $2,200,628 54.60%
Missouri Total 100.00% 4,461,154 $3,210,980,742 $9,512,580 $2,151,672,191 $158,266,535 67.01%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Accident & Health

Total Individual Accident & Health

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.22% 1,286 $2,099,382.00 $1,746,587.00 $2,284.00 $495,718.00 $871,295.00 49.89%
Missouri Total 100.00% 1,802,561 $974,306,614 $969,402,743 $1,188,242 $577,955,170 $611,864,287 63.12%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Life

Total Individual Life

Market_Share Number of Insureds Direct Premium and Annuities Dividends Paid Direct Claims and Benefits Paid Life Insurance in Force Benefits Ratio
Company Total 0.24% 6,372 $11,730,721 $3,851,327 $7,214,300 $988,811 61.50%
Missouri Total 100.00% 4,330,504 $4,930,506,696 $404,183,765 $3,349,037,869 $235,658,520 67.92%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2003 Supplemental Data for

Life

Total Life

Market_Share Number of Insureds Direct Premium and Annuities Dividends Paid Direct Claims and Benefits Paid Life Insurance in Force Benefits Ratio
Company Total 0.20% 44,021 $16,632,574 $3,851,327 $9,890,550 $3,189,439 59.46%
Missouri Total 100.00% 8,791,658 $8,141,487,438 $413,696,345 $5,500,710,060 $393,925,055 67.56%



Additional data is available for this company for the following year(s):