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<div dir="ltr">\ufeff\ufeff<span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">For the first time in 40 years, Guardian now offers the most competitive term insurance in the industry - including a guaranteed conversion option
to a permanent policy. NO exam/bloodwork required - for up to $3M for those under age 50.</span>
<div dir="ltr"><span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);"></span><br style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">
<span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">$1M - 20 Year Level Monthly Premiums (Best Health Class)</span><br style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">
<span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);"></span><br style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">
<span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">25 year old male - $37</span></div>
<div dir="ltr"><span style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); -webkit-text-size-adjust: auto;">25 year old female - $29</span></div>
<div dir="ltr"><span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);"></span><br style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">
<span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">35 year old male - $40</span></div>
<div dir="ltr"><span style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); -webkit-text-size-adjust: auto;">35 year old female - $34</span></div>
<div dir="ltr"><br style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">
<span style="-webkit-text-size-adjust: auto; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0);">45 year old male - $91</span></div>
<div dir="ltr"><span style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); -webkit-text-size-adjust: auto;">45 year old female - $71</span></div>
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<p style="margin: 0px 0px 8pt; line-height: 15.6933px;"><b style="font-size: 13pt; background-color: rgba(255, 255, 255, 0);">Yours for life,</b></p>
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<div style="background-color: rgba(255, 255, 255, 0);"><br>
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<p style="background-color: rgba(255, 255, 255, 0); margin: 0in 0in 6pt; line-height: 12pt;">
<b>Daniel Hochler<br>
</b></p>
<p style="background-color: rgba(255, 255, 255, 0); margin: 0in 0in 6pt; line-height: 12pt;">
<b>Managing Associate</b></p>
<p style="background-color: rgba(255, 255, 255, 0); margin: 0in 0in 6pt; line-height: 12pt;">
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<p style="margin: 0in 0in 6pt; line-height: 12pt;"><span style="background-color: rgba(255, 255, 255, 0);">Forest Hills Financial Group</span></p>
<div style="background-color: rgba(255, 255, 255, 0);">(Office) <a href="tel:646-638-9863" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="1/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">646-638-9863</a></div>
<div style="background-color: rgba(255, 255, 255, 0);">(Cell) <a href="tel:516-712-9556" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="telephone" x-apple-data-detectors-result="1/2" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">516-712-9556</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><a id="LPNoLP" href="mailto:Daniel_Hochler@fhfg.com" target="_blank">Daniel_Hochler@fhfg.com</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><b></b><br>
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<div style="background-color: rgba(255, 255, 255, 0);"><a class="OWAAutoLink" id="LPNoLP" href="https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/2018-05-24/what-should-your-insurance-agent-do-for-you"><b>*Check out the May 24th,
2018 U.S. News & World Report article in which I was quoted.*</b></a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><br>
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<div style="background-color: rgba(255, 255, 255, 0);"><b><a class="OWAAutoLink" id="LPNoLP" href="https://www.newsday.com/business/columnists/jamie-herzlich/small-business-insuring-against-loss-of-key-employees-1.10964005">*Check out the October 15th, 2015
Newsday article in which I was quoted.\u201d </a></b></div>
<div style="background-color: rgba(255, 255, 255, 0);"><b></b><b></b><br>
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<div style="background-color: rgba(255, 255, 255, 0);">Forest Hills Financial Group</div>
<div style="background-color: rgba(255, 255, 255, 0);"><a href="x-apple-data-detectors://3/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="3/1" style="text-decoration-color: rgba(33, 33, 33, 0.258824);"></a><a href="x-apple-data-detectors://3/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="3/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);"></a><a href="x-apple-data-detectors://4/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="4/1" style="text-decoration-color: rgba(0, 122, 255, 0.258824);">122
E. 42nd Street Suite 2200</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><a href="x-apple-data-detectors://4/1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="address" x-apple-data-detectors-result="4/1" style="text-decoration-color: rgba(0, 0, 0, 0.258824);">New
York, NY 10168</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><a id="LPNoLP" href="http://www.fhfg.com/" target="_blank">www.fhfg.com</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><br>
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<div style="background-color: rgba(255, 255, 255, 0);">Click here to learn why we need financial balance:</div>
<div style="background-color: rgba(255, 255, 255, 0);"><br>
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<div style="background-color: rgba(255, 255, 255, 0);"><a id="LPNoLP" href="http://www.thelivingbalancesheet.com/financialbalance" target="_blank">http://www.thelivingbalancesheet.com/financialbalance</a></div>
<div style="background-color: rgba(255, 255, 255, 0);"><br>
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<div style="background-color: rgba(255, 255, 255, 0);">Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Forest Hills Financial Group is not an affiliate
or subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC. </div>
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