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Watch our videoHow life insurance protectsfamilies and covers critical costs.LifeinsuranceIf something happens to you, lifeinsurance can help your familyreduce financial stress.Life insurance helps protect your family’s finances by providinga cash benefit if you pass away. This ensures that they’ll befinancially supported, and can cover important things frombills to funeral costs. With life policies, you can get affordablelife insurance protection for a set period of time.Who is it for?Everyone’s life insurance needs are different, depending on their familysituation. That’s why group life insurance through an employer is an easierand more affordable option than individual life insurance.What does it cover?Life insurance protects your loved ones by providing a benefit(which is usually tax-exempt) if you pass away.Why should I consider it?Life insurance is about more than just covering expenses. Dependingon your circumstances, it could take your family years to recover from theloss of your income.With a life insurance benefit, your family will have extra money to covermortgage and rent payments, legal or medical fees, childcare, tuition,and any outstanding debts.Guardian, its subsidiaries, agents, and employees do not provide tax, legal,or accounting advice. Consult your tax, legal, or accounting professionalregarding your individual situation.Preparing and planningJorge’s never considered purchasinglife insurance, but after being offered itthroughwork,hedecidesit’sasmartway to protect his family.Jorge has a mortgage, and becausehiswifeishelpingtotakecareofhermother, she only works part-time. Inaddition,his daughter is about tostart college.Jorge looks at how his family wouldbe affected by losing him.Average funeral cost: $9,000Average mortgage debt: $202,000Average cost of college: $17,000 -$44,000Average household credit card debt:$8,500With life insurance, Jorge canmake sure that part of thesecosts are covered if somethinghappens to him.This example is for illustrativepurposes only. Your plan’s coveragemay vary. See your plan’s informationon the following pages for specificamounts and details.You will receive these benefits if you meet the conditions listed in the policy.GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaArgosy Capital Group Kit created 11/29/2022ALL ELIGIBLE EMPLOYEES Group number:000451472020-104318 (07/22)9

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaArgosy Capital Group Kit created 11/29/2022ALL ELIGIBLE EMPLOYEES Groupnumber:00045147Your life coverageBASIC LIFE VOLUNTARY TERM LIFEEmployee B e nefit Your employer provides $50,000Basic Term Life coverage for allfull time employ ees.$10,000 increments t o amaximum o f $ 250,000. See CostIllustration page for details.Accidental Death and Dismemberment YourBasicLifecoverageincludesEnhanced Accidental Death andDis memberment coverage.Employ ee, Spouse & Child(ren)coverage. Maximum 1 times lifeamount.Spouse Benefit N/A $5,000 increments to a maximumof $250,000. See Cost Illustrationpage for details.‡Child Benefit N/A Your dependent children agebirth† t o 26 years.You may elect one of t hefollowing benefit o pt ions: $ 5,000,$10,000. Subject to state limits.See C os t Illustration page fo rdetails.Guarantee Issue: The ‘guaran tee’ means you are no t req uired toanswer health questions to qualify for coverage up to and includingthe specified amount, when you sign up for coverage during the initialenrollment period.GuaranteeIssuecoverageupto$50,000 per employeeWe Guarantee Issue coverage upto:Employee Less than age 65$100,000, 65-69 $50,000, 70+$10,000.Spouse Less than age 65 $25,000,65-69 $10,000, 70+ $0.Dependent children $10,000.Premiums Covered by your company if youmeet eligibility requirementsIncrease on plan anniversary afteryou ent er next five-year agegroupPortability: Allows you to take coverage with you if you terminateemployment.No Yes, with age and otherrestrict ions10

Your life coverageGUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaArgosy Capital Group Kit created 11/29/2022ALL ELIGIBLE EMPLOYEES Groupnumber:00045147BASIC LIFE VOLUNTARY TERM LIFEConversion: Allows you to continue your coverage after your groupplan has t erminated.Yes, with restrictions; s eecertificate of benefitsYes, with restrictions; s eecertificate of benefitsAccelerated Life Benefit: A lump sum benefit is paid to you if youare diagnosed with a terminal condition, as defined by the plan.Yes YesWaiver o f Premiums: Premium will not need to be paid if you aretotally disabled.For employees disabled prio r toage 60 , with premiums waiveduntil age 65, if conditions are metFor employees disabled prio r toage 60, with premiums waiveduntil age 65, if c o nditions metBenefit Reductions: Benefits are reduced by a certain percentage asan employee ages.35% at age 65, 50% at age 70 35% at age 65, 50% at age 70Subject to coverage limitsVoluntary Life: Infant coverage is limited based on age.Spouse coverage terminates at a ge 70.The Guarantee Issue amount may be subject to reductions by percentage at the ages shown in this summary.11

Voluntary Life Cost Illustration:To determine the most appropriate level of coverage, as a rule of thumb, you should consider about 6 - 10 times your a nnual income,factoring in projected costs to help maintain your family’s current life style.GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaArgosy Capital Group Kit created 11/29/2022ALL ELIGIBLE EMPLOYEES Groupnumber:00045147Bi-weekly premiums displayed. Cost of AD&D is included.Policy Election Amount Policy Election Cost Per Age BracketEmployee< 30 30–34 35–39 40–44 45–49 50–54 55–59 60–6465–69†$10,000 $.50 $.52 $.66 $.93 $1.44 $2.29 $3.63 $5.56 $10.66$20,000 $1.00 $1.04 $1.31 $1.87 $2.87 $4.58 $7.26 $11.11 $21.32$30,000 $1.50 $1.57 $1.97 $2.80 $4.31 $6.87 $10.88 $16.67 $31.99$40,000 $1.99 $2.09 $2.62 $3.73 $5.74 $9.16 $14.51 $22.23 $42.65$50,000 $2.49 $2.61 $3.28 $4.66 $7.18 $11.45 $18.14 $27.79 $53.31$60,000 $2.99 $3.13 $3.93 $5.59 $8.61 $13.74 $21.77 $33.34 $63.97$70,000 $3.49 $3.65 $4.59 $6.53 $10.05 $16.03 $25.39 $38.90 $74.63$80,000 $3.99 $4.17 $5.24 $7.46 $11.48 $18.31 $29.02 $44.46 $85.29$90,000 $4.49 $4.69 $5.90 $8.39 $12.92 $20.60 $32.65 $50.01 $95.95$100,000 $4.99 $5.22 $6.55 $9.32 $14.35 $22.89 $36.28 $55.57 $106.62$110,000 $5.48 $5.74 $7.21 $10.26 $15.79 $25.18 $39.91 $61.13 $117.28$120,000 $5.98 $6.26 $7.87 $11.19 $17.23 $27.47 $43.53 $66.68 $127.94$130,000 $6.48 $6.78 $8.52 $12.12 $18.66 $29.76 $47.16 $72.24 $138.60$140,000 $6.98 $7.30 $9.18 $13.05 $20.10 $32.05 $50.79 $77.80 $149.26$150,000 $7.48 $7.82 $9.83 $13.99 $21.53 $34.34 $54.42 $83.35 $159.92$160,000 $7.98 $8.35 $10.49 $14.92 $22.97 $36.63 $58.04 $88.91 $170.59$170,000 $8.47 $8.87 $11.14 $15.85 $24.40 $38.92 $61.67 $94.47 $181.25$180,000 $8.97 $9.39 $11.80 $16.78 $25.84 $41.21 $65.30 $100.03 $191.91$190,000 $9.47 $9.91 $12.45 $17.71 $27.27 $43.50 $68.93 $105.58 $202.57$200,000 $9.97 $10.43 $13.11 $18.65 $28.71 $45.79 $72.55 $111.14 $213.23$210,000 $10.47 $10.95 $13.76 $19.58 $30.14 $48.07 $76.18 $116.70 $223.89$220,000 $10.97 $11.47 $14.42 $20.51 $31.58 $50.36 $79.81 $122.25 $234.55$230,000 $11.47 $12.00 $15.07 $21.44 $33.01 $52.65 $83.44 $127.81 $245.22$240,000 $11.96 $12.52 $15.73 $22.38 $34.45 $54.94 $87.07 $133.37 $255.88$250,000 $12.46 $13.04 $16.39 $23.31 $35.89 $57.23 $90.69 $138.92 $266.54Policy Election AmountSpouse$10,000 $.50 $.52 $.66 $.93 $1.44 $2.29 $3.63 $5.56 $10.66$15,000 $.75 $.78 $.98 $1.40 $2.15 $3.43 $5.44 $8.34 $15.9912

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaArgosy Capital Group Kit created 11/29/2022ALL ELIGIBLE EMPLOYEES Group number: 00045147Voluntary Life Cost Illustration continued< 30 30–34 35–39 40–44 45–49 50–54 55–59 60–6465–69†$20,000 $1.00 $1.04 $1.31 $1.87 $2.87 $4.58 $7.26 $11.11 $21.32$25,000 $1.25 $1.30 $1.64 $2.33 $3.59 $5.72 $9.07 $13.89 $26.65$30,000 $1.50 $1.57 $1.97 $2.80 $4.31 $6.87 $10.88 $16.67 $31.99$35,000 $1.75 $1.83 $2.29 $3.26 $5.02 $8.01 $12.70 $19.45 $37.32$40,000 $1.99 $2.09 $2.62 $3.73 $5.74 $9.16 $14.51 $22.23 $42.65$45,000 $2.24 $2.35 $2.95 $4.20 $6.46 $10.30 $16.33 $25.01 $47.98$50,000 $2.49 $2.61 $3.28 $4.66 $7.18 $11.45 $18.14 $27.79 $53.31$55,000 $2.74 $2.87 $3.61 $5.13 $7.90 $12.59 $19.95 $30.56 $58.64$60,000 $2.99 $3.13 $3.93 $5.59 $8.61 $13.74 $21.77 $33.34 $63.97$65,000 $3.24 $3.39 $4.26 $6.06 $9.33 $14.88 $23.58 $36.12 $69.30$70,000 $3.49 $3.65 $4.59 $6.53 $10.05 $16.03 $25.39 $38.90 $74.63$75,000 $3.74 $3.91 $4.92 $6.99 $10.77 $17.17 $27.21 $41.68 $79.96$80,000 $3.99 $4.17 $5.24 $7.46 $11.48 $18.31 $29.02 $44.46 $85.29$85,000 $4.24 $4.43 $5.57 $7.93 $12.20 $19.46 $30.84 $47.23 $90.62$90,000 $4.49 $4.69 $5.90 $8.39 $12.92 $20.60 $32.65 $50.01 $95.95$95,000 $4.74 $4.96 $6.23 $8.86 $13.64 $21.75 $34.46 $52.79 $101.29$100,000 $4.99 $5.22 $6.55 $9.32 $14.35 $22.89 $36.28 $55.57 $106.62$105,000 $5.23 $5.48 $6.88 $9.79 $15.07 $24.04 $38.09 $58.35 $111.95$110,000 $5.48 $5.74 $7.21 $10.26 $15.79 $25.18 $39.91 $61.13 $117.28$115,000 $5.73 $6.00 $7.54 $10.72 $16.51 $26.33 $41.72 $63.91 $122.61$120,000 $5.98 $6.26 $7.87 $11.19 $17.23 $27.47 $43.53 $66.68 $127.94$125,000 $6.23 $6.52 $8.19 $11.65 $17.94 $28.62 $45.35 $69.46 $133.27$130,000 $6.48 $6.78 $8.52 $12.12 $18.66 $29.76 $47.16 $72.24 $138.60$135,000 $6.73 $7.04 $8.85 $12.59 $19.38 $30.91 $48.97 $75.02 $143.93$140,000 $6.98 $7.30 $9.18 $13.05 $20.10 $32.05 $50.79 $77.80 $149.26$145,000 $7.23 $7.56 $9.50 $13.52 $20.81 $33.19 $52.60 $80.58 $154.59$150,000 $7.48 $7.82 $9.83 $13.99 $21.53 $34.34 $54.42 $83.35 $159.92$155,000 $7.73 $8.08 $10.16 $14.45 $22.25 $35.48 $56.23 $86.13 $165.25$160,000 $7.98 $8.35 $10.49 $14.92 $22.97 $36.63 $58.04 $88.91 $170.59$165,000 $8.23 $8.61 $10.81 $15.38 $23.68 $37.77 $59.86 $91.69 $175.92$170,000 $8.47 $8.87 $11.14 $15.85 $24.40 $38.92 $61.67 $94.47 $181.25$175,000 $8.72 $9.13 $11.47 $16.32 $25.12 $40.06 $63.49 $97.25 $186.5813

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaArgosy Capital Group Kit created 11/29/2022ALL ELIGIBLE EMPLOYEES Group number: 00045147Voluntary Life Cost Illustration continued< 30 30–34 35–39 40–44 45–49 50–54 55–59 60–6465–69†$180,000 $8.97 $9.39 $11.80 $16.78 $25.84 $41.21 $65.30 $100.03 $191.91$185,000 $9.22 $9.65 $12.13 $17.25 $26.56 $42.35 $67.11 $102.80 $197.24$190,000 $9.47 $9.91 $12.45 $17.71 $27.27 $43.50 $68.93 $105.58 $202.57$195,000 $9.72 $10.17 $12.78 $18.18 $27.99 $44.64 $70.74 $108.36 $207.90$200,000 $9.97 $10.43 $13.11 $18.65 $28.71 $45.79 $72.55 $111.14 $213.23$205,000 $10.22 $10.69 $13.44 $19.11 $29.43 $46.93 $74.37 $113.92 $218.56$210,000 $10.47 $10.95 $13.76 $19.58 $30.14 $48.07 $76.18 $116.70 $223.89$215,000 $10.72 $11.21 $14.09 $20.05 $30.86 $49.22 $78.00 $119.47 $229.22$220,000 $10.97 $11.47 $14.42 $20.51 $31.58 $50.36 $79.81 $122.25 $234.55$225,000 $11.22 $11.74 $14.75 $20.98 $32.30 $51.51 $81.62 $125.03 $239.89$230,000 $11.47 $12.00 $15.07 $21.44 $33.01 $52.65 $83.44 $127.81 $245.22$235,000 $11.71 $12.26 $15.40 $21.91 $33.73 $53.80 $85.25 $130.59 $250.55$240,000 $11.96 $12.52 $15.73 $22.38 $34.45 $54.94 $87.07 $133.37 $255.88$245,000 $12.21 $12.78 $16.06 $22.84 $35.17 $56.09 $88.88 $136.15 $261.21$250,000 $12.46 $13.04 $16.39 $23.31 $35.89 $57.23 $90.69 $138.92 $266.54Policy Election AmountChild(ren)$5,000 $0.43 $0.43 $0.43 $0.43 $0.43 $0.43 $0.43 $0.43 $0.43$10,000 $0.86 $0.86 $0.86 $0.86 $0.86 $0.86 $0.86 $0.86 $0.86Refer to Guarantee Issue row on page above for Voluntary Life GI amounts.Premiums for Voluntary Life Increase in five-year incrementsInfant coverage is limited for the first two weeks of inf an t’s life.Spouse co verage premium is based on Employee age.†Benefit reductions apply.The Guarantee Issue amount may be subject to reductions by percentage at the ages shown in t his summary.14

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaArgosy Capital Group Kit created 11/29/2022ALL ELIGIBLE EMPLOYEES Group number: 00045147LIMITATIONS AND EXCLUSIONS:A SUMMARY OF PLAN LIMITATIONS AND EXCLUSIONS FOR LIFE ANDAD&D COVERAGE:You must be working full-time on the effective date of your coverage; otherwise, yourcoverage becomes effective after you have completed a specific waiting period. Employeesmust be legally working in the United States in order to be eligible for coverage.Underwriting must approve cov erage for employees on temporary assignment: (a)exceeding one year; or (b) in an area under tra vel warning by the US Departm ent of State.Subject to state specific variations. Evidence of Insurability is required on all late enrollees.Thi s cov er a g e wi l l not be eff ecti v e until appr o ved by a Guar d ia n unde rw r it e r. This pro po sa lis hedged subject to satisfactory financial evaluation. Please refer to certificate of coverage forful l plan descr i pt i o n.Depend ent lif e insur a nc e will not take effe c t if a depend ent , other tha n a newborn, isconfined to the hospital or other health care facility or is unable to perform the normalactivities of someone of like age and sex.Accelerated Life Benefit is not paid to an employee under the following circumstances: onewho i s requi r ed by law to use the benefi t to pay c r ed i to r s; is re qui re d by cour t o r der to paythe benef i t to anothe r per so n; is re quir e d by a gov er nm e nt ag ency to use the pay m e nt torec e i v e a gov er nment bene f i t; or loses his or her gr o up c o v e ra g e befor e an acc el e ra t edbenef i t i s pai d .Voluntary Life Only:We pay no benefits if the insured’s death is due to suici de within two years from theinsured’s original effective date. This two year limitation also applies to any increase inbenefit. This exclusion may vary according to state law. Late entrants and benefit increasesrequi r e unde r wr i t i ng a pprov a l .GP -1-R-L B-90, GP-1-R-EO P T-96Guarantee Issue/Conditional Issue amounts may vary based on age and case size. See yourPla n Ad m i ni st r a to r for detai l s. Late entrant s and benefit incr ea se s requi r e underwri t i ngappr o v a l .For AD&D: W e pay no benefits for any loss caused: by willful self-injury; sickness, diseaseor medical treatment; by participating in a civil disorder or comm itting a felony; Travelingon any type of aircraft while having duties on that aircraft; by declared or undeclared act ofwar or armed aggression; while a member of any armed force (May vary by state); whiledriving a motor vehicle without a current, valid driver’s license; by legal intoxication; or byvo l unt a ri l y using a non-pr escri pt i o n co nt r o ll e d substa nc e . Contr a c t #GP -1-R-A D C L 1-00 etal . W e won't pa y mor e tha n 100% of the Insur a nc e amo unt f o r a ll losse s due to the sameaccident, except as stated. The loss must occur within a specified period of time of theac cid ent . Please see cont r a c t for specif i c defi ni t i o n; def i ni ti o n o f loss m ay va r y depending onthe benefit payable.Enhanced AD&D: A lo ss m a y be define d as de at h, quadri ple g ia , loss of speech andhearing, loss of cognitive function, comatose state in excess of one month, hemiplegia orparaplegia. The loss must occur within a specified period of time of the accident. Please seeco nt r a c t for specif i c defi ni t i o n; def i ni t i o n of loss m a y var y dependi ng o n the benef i t paya bl e.Guardian Group Life Insurance underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are notavailable in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents arethe final arbiter of coverage.Policy Form # GP-1-LIFE-1515