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Disclosure

Securities products/services and advisory services offered through Park Avenue Securities LLC (PAS), 1150 Raritan Rd., Cranford, NJ, 908-709-0020. PAS is an indirect wholly-owned subsidiary of Guardian. Northeast Planning Corporation is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA/SIPC.

1. The financial representatives of Northeast Planning Corporation are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Mark Schleifman at 908.709.0090.
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3. Disability Income and Long Term Care Insurance products 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
4. Individual medical insurance not underwritten by The Guardian Life Insurance Company of America.
5. Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice.
6. Disability income policy forms 1400 and 1500 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. Product provisions and features may vary by state.
7. Please note: This benefit is not necessarily protection against increases in the cost of living.
8. In California, this rider is called the Partial Disability Benefit Rider.
9. While you do not have to provide information pertaining to medical history, your eligibility to add additional coverage with this rider is financially underwritten taking into consideration your earned income, as well as all disability insurance you have in force with any insurer, and any disability insurance you have applied for or are eligible to receive.
10. Retirement Protection Plus is not a pension plan or a substitute for one.
11. Availability limited in California. Certain restrictions and limitations apply.
12. Long Term Care Insurance is underwritten 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.
13. Policy Form 4100 underwritten and issued by Berkshire Life Insurance Company of America.
14. Cash accumulations are dependent on dividends. Dividends are not guaranteed and are declared annually by the Board of Directors.
15. Policy benefits are reduced by any outstanding loans and and loan interest. In any given year, annual dividends, if any, are affected by policy loans.
16. Riders may incur an additional cost to the policy.
17. Issued by The Guardian Insurance & Annuity Company, Inc., a wholly owned subsidiary of The Guardian Life Insurance Company of America, New York, NY.
18. Guardian, its subsidiaries, agents or employees do not give tax or legal advice.
19. Interest crediting rate not guaranteed
20. Source: Compulife, company illustration software and other industry sources.
21. Financial information concerning The Guardian Insurance & Annuity Company, Inc. as of 12/31/08 on a statutory basis: Admitted Assets = $7.5 Billion; Liabilities = $7.3 Billion (including $7.2 Billion of Reserves); and Capital and Surplus = $0.2 Billion.

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