GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.57% 43,599 $552,424.00 $554,562.00 $0.00 $399,000.00 $411,219.00 74.15%
Missouri Total 100.00% 3,112,785 $96,313,011 $96,004,545 $103,738 $49,204,603 $51,379,533 53.52%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.59% 3,453 $5,816,659.00 $5,781,660.00 $0.00 $3,871,777.00 $3,990,344.00 69.02%
Missouri Total 100.00% 388,370 $990,361,626 $991,633,986 $0 $858,201,657 $874,822,148 88.22%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.27% 599 $2,159,363.00 $2,146,370.00 $0.00 $2,612,952.00 $2,692,969.00 125.47%
Missouri Total 100.00% 335,440 $804,495,751 $806,421,137 $0 $617,065,254 $620,790,892 76.98%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 21.17% 154,301 $29,926,959.00 $29,961,375.00 $0.00 $20,784,952.00 $21,421,456.00 71.50%
Missouri Total 100.00% 676,475 $141,386,608 $134,078,757 $43,464 $101,787,485 $102,738,450 76.63%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 2.45% 31,112 $5,311,016.00 $5,294,750.00 $0.00 $2,089,067.00 $2,153,041.00 40.66%
Missouri Total 100.00% 1,120,380 $216,398,030 $216,750,400 $37,513 $147,429,402 $174,125,247 80.33%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 2.08% 64,475 $7,081,369 $0 $4,567,529 $3,171,868 64.50%
Missouri Total 100.00% 3,195,709 $340,509,430 $2,662,813 $375,549,371 $154,098,346 110.29%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 $47,225.00 $47,081.00 $0.00 $33,828.00 $34,216.00 72.67%
Missouri Total 100.00% 182,728 $303,237,042 $296,093,330 $709 $206,151,024 $205,452,502 69.39%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 2.33% 1,213 $1,912,095.00 $1,956,699.00 $2,241.00 $562,864.00 $527,854.00 26.98%
Missouri Total 100.00% 136,980 $82,139,891 $82,487,795 $1,259,941 $46,835,397 $53,586,832 64.96%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 Supplemental Data for

Accident & Health

Individual Limited Benefit

Market_Share Number of Insureds Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred Loss Ratio
Company Total 0.00% 2 $285.00 $288.00 $0.00 $0.00 $0.00 0.00%
Missouri Total 100.00% 150,444 $28,173,993 $27,922,148 $7,077 $13,925,642 $14,162,998 50.72%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.03% 17 $349,201 $11,922 $77,427 $0 22.17%
Missouri Total 100.00% 343,929 $1,208,751,601 $1,418,229 $1,005,859,160 $0 83.21%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.13% 524 $459,320 $0 $0 $244,770 0.00%
Missouri Total 100.00% 694,064 $347,382,114 $9,263,420 $212,249,288 $108,608,536 61.10%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 1.11% 5,705 $8,440,379 $4,499,271 $7,958,751 $806,301 94.29%
Missouri Total 100.00% 2,254,309 $760,946,118 $311,864,185 $860,216,353 $58,567,813 113.05%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 1.06% 234,290 $45,726,026.00 $45,742,785.00 $2,241.00 $30,354,440.00 $31,231,099.00 68.28%
Missouri Total 100.00% 15,325,488 $4,295,618,608 $4,290,144,267 $1,485,559 $3,002,308,121 $3,208,218,965 74.78%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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% 233,064 $43,766,421.00 $43,738,717.00 $0.00 $29,757,748.00 $30,669,029.00 70.12%
Missouri Total 100.00% 13,467,585 $3,292,621,915 $3,288,067,459 $208,057 $2,379,030,650 $2,553,729,227 77.67%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.21% 64,475 $7,081,369 $0 $4,567,529 $3,171,868 64.50%
Missouri Total 100.00% 4,689,528 $3,414,637,016 $8,065,165 $2,380,137,400 $176,276,564 69.70%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.20% 1,226 $1,959,605.00 $2,004,068.00 $2,241.00 $596,692.00 $562,070.00 28.05%
Missouri Total 100.00% 1,857,903 $1,002,996,693 $1,002,076,808 $1,277,502 $623,277,471 $654,489,738 65.31%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.18% 6,246 $9,248,900 $4,511,193 $8,036,178 $1,051,071 86.89%
Missouri Total 100.00% 4,285,396 $5,150,758,634 $383,562,866 $4,123,058,017 $245,622,119 80.05%



GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

2004 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 0.19% 70,721 $16,330,269 $4,511,193 $12,603,707 $4,222,939 77.18%
Missouri Total 100.00% 8,974,924 $8,565,395,650 $391,628,031 $6,503,195,417 $421,898,683 75.92%



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