Welcome to Lucido-Morris and Associates

(Licensed in the State of Michigan)

Lucido-Morris and Associates is your Michigan brokerage outlet for The Guardian Life Insurance Company of America, New York, NY (Guardian), and Berkshire Life Insurance Company of America (Berkshire), Pittsfield, MA, a wholly owned stock subsidiary of Guardian.

We offer a complete portfolio of disability products. In addition to the individual contract, we market premier disability buy-out, disability overhead expense, business reducing term, plus the retirement protection plus program, and multi-life disability contracts.

Guardian's whole life portfolio is one of the most competitive products in the industry. When considering our past dividend history* and current financial strength**, we are very competitive.

The combination of Guardian's overall product portfolio, it's mutual status, it's superior financial strength, and our commitment to providing each producer with superior service makes us the clear choice for most high end producers in the marketplace today!

Thanks for visiting with us today and thanks for your business!

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* Dividends are not guaranteed. Past performance is not indicative of future results.
**Financial information concerning The Guardian Life Insurance Company of America as of 12/31/11 on a Statutory Basis: Admitted Assets = $35.1 Billion; Liabilities = $30.5 Billion (including $26.7 Billion of Reserves); and Surplus = $4.5 Billion.

Lucido-Morris and Associates
FOR BROKER USE ONLY. NOT FOR PUBLIC USE.