Our Company Guardian Life

First Financial Group has represented The Guardian Life Insurance Company of America in Maryland, Pennsylvania, Delaware and Northern Virginia, since 1983. Guardian Life is the fourth largest mutual life insurance company in America, with 145 years of experience in providing diversified financial solutions, including life insurance, disability income insurance, retirement services, employee benefits, and investments. First Financial Group is an independently owned agency of Guardian.

Through Guardian and its subsibiaries, First Financial Group representatives offer clients:

1. Yearly Renewable Term, Convertible Level Term Products
   
2. Cash Value Life Insurance Products - Whole Life, Variable Life and Universal Life
   
3. Group Dental, Medical, Life and Disability Insurance
   
4. Annuities - GMIB, Variable, Fixed
   
5. Technical expertise for Estate, Buy-Sell, Retirement Plans
   
6. Guardian Trust Company
   
7. The Living Balance Sheet - Client Data Aggregation Tool

In 2001 Guardian merged with Berkshire Life and offers high quality disability and long-term care products available in the marketplace.

Financial information concerning The Guardian Life Insurance Company of America as of 12/31/07 on a statutory basis: Admitted Assets = $28.3 Billion; Liabilities = $24.6 Billion (including $20.8 Billion of Reserves); and Surplus = $3.7 Billion.

Guardian is one of the highest rated insurance companies in the USA. As of the last quarter of 2008. Guardian has received exemplary ratings from the four major rating services.

Disability Income insurance is 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.

Learn more about Guardian by visiting www.guardianlife.com

Click here to view Guardian's 2007 Annual Report

First Financial Group. 954 Ridgebrook Road, Suite 300, Sparks, MD 21152.
Tel: 410.828.5400

Securities products and services through Park Avenue Securities LLC (PAS) 954 Ridgebrook Road, Suite 300, Sparks, MD 21152. (410) 828-5400. PAS is an indirect wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY.  First Financial Group is not an affiliate or subsidiary of PAS or Guardian.   We have registered representatives securities licensed in all states. The financial representatives of First 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 Sharon Klipner at 410-828-5400, extension 4125.

PAS is a member FINRA/SIPC.

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.