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Create Values-Based Financial Health

and Enhance Well-Being through

Money Mindfulness

Insurance & Investment Strategies

Michael D'Apice | 14 Mohawk Drive, Collinsville, CT. 06019

Phone 860-693-4919 | Cell 860-306-0096 | Fax 860-693-4959 | [email protected]

Michael says, “While taking the first step is commendable...without direction it is still called ‘wandering’.”

Celebrating over 30 years of client-centric mentoring and service!

About Guardian

We’re behind you. And Guardian is behind us.

We take our commitment to our clients very seriously. That’s why we’ve chosen to affiliate ourselves with The Guardian Life Insurance Company of America (Guardian). For more than 150 years, Guardian has maintained their financial strength through economic ups and downs, steadfastly meeting their obligations to people and business alike. As a mutual company, they don’t have shareholders. Which means the only people they have to answer to are their policyholders. And that can make a big difference when you’re trusting a company with your financial well-being.

Why choose Guardian?

As Guardian representatives, we have access to the full breadth and depth of Guardian’s financial strength, resources and products. When you choose to work with us, you’re choosing:

Financial strength — Guardian has consistently earned high ratings for its financial strength and claims paying ability from the industry’s leading rating agencies:*

  • A++ (Superior) from A.M. Best
  • AA+ (Very Strong) from Standard & Poor’s
  • Aa2 (Excellent) from Moody’s
  • AA+ (Very Strong) from Fitch

What does that mean to you? That you can feel secure that we’ll be able to make good on our promises.

* Ratings as of December 31, 2014 and are subject to change. The ratings earned by Guardian do not apply to the investments issued by GIAC or offered throughPAS.

Depth of resources — Through Guardian’s Business Resource Center, we have access to specialists in a wide range of areas, from law to estate planning to tax strategies. They can craft time tested, all-around strategies that cover every facet of your financial life.

Innovative solutions — Guardian is always working hard to stay at the forefront of the industry. So whatever products and services we offer you, you can feel confident that they’re dependable, effective and represent the latest thinking.

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Financial information concerning The Guardian Life Insurance Company of America as of December 31, 2014 on a statutory basis: Admitted Assets = $45.3 Billion; Liabilities = $39.6 Billion (including $34.9 Billion of reserves); and Surplus = $5.7 Billion.