Variable life insurance products and their underlying variable investment options are offered by prospectus only. Please call 1-800-441-6455 for additional information including a prospectus. Prospectuses contain detailed information including charges and expenses, and should be read carefully before completing and application, investing or sending money. Values in variable investment option will fluctuate daily and may be worth more or less than the original investment. Variable investment options are not deposits or obligations of, or guaranteed or endorsed by, any bank or depository institution, and are not insured by the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Associate, the Federal Reserve Board or any other agency, and involve investment risk, including possible loss of the principal amount invested.

GISC is a member of NASD, SIPC.

Securities products and services offered through Park Avenue Securities LLC (PAS), 7 Hanover Square, New York, NY 10004, 1-888-600-4667. PAS is an indirect, wholly owned subsidiary of Guardian. The Ferrara Agency is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member NASD, SIPC.