Through Guardian's DentalGuard insurance products, you and your family will receive comprehensive and flexible dental coverage. DentalGuard traditional indemnity plans offer you the option to visit any dentist or specialist when you need care.

DentalGuard Preferred PPO combines the freedom of a traditional dental plan with the economy of managed care. With the PPO plan, you and your family can visit any dentist or specialist you choose or a high-quality DentalGuard Preferred network dentist, any time you need care. If you do visit a network provider, you'll receive the highest level of benefits and save on out-of-pocket costs. Best of all, our DentalGuard Preferred PPO features one of the industry's most extensive nationwide dental networks with over 70,000 provider locations.

After any applicable deductible, our indemnity and PPO plans pay a generous percentage of dental expense up to an annual maximum. Guardian also offers pre-paid dental health maintenance organization (DHMO) plans in certain geographical regions.

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The Guardian Life Insurance Company of America, New York, NY (Guardian) is the fourth largest mutual life insurance company in the United States. As of December 31, 2003, Guardian and its subsidiaries had $37.2 billion in assets. With more than 5,000 employees, over 3,000 financial representatives and over 100 agencies nationwide, Guardian and its subsidiaries protect individuals, businesses and their employees with life, disability, health and dental insurance products, and offer 401(k), financial products and trust services.

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