LTC_Premium_Increase

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The comparison rate chart above between California and the increased rates in
the State of Oregon (representative of all other States) reflects approximately
20% to 60% lower premiums for a single, joint and 10-pay * policies. (*an alternative
option to make 10 annual payments in 10 years with optional tax benefits available).

Call now to schedule time to get your Insurance proposal illustrations emailed for
your review. Download your LTC application from the "LTC Application" tab above.

Call 858-353-8337 or email your request to yourway@aol.com. Once approved you
will have peace of mind & financial security for You and your Family.

Best wishes!
Geoff Phillips - Life Agent
CA Lic.No: 0E37940

F. Y. I.

The State of California is in the process of approving premium rate increases for
Guardian Life Insurance Company.

Their rates are significantly lower than GenWorth, John Hancock and other
insurance Companies within in the same peer group.

There is no final date as to when the increases will take effect. The benefits,
however, will remain the same across the board at the higher premium rate.

As the increases will take effect before the end of the year, this is the right time
to take advantage of lower Long Term Care & Disability Insurance rates.

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