ASTEROIDACTUAL ODDS: 1 in 250,000

SNAKE BITEACTUAL ODDS: 1 in 50 million

SHARK ATTACKACTUAL ODDS: 1 in 315 million

DOG ATTACKACTUAL ODDS: 1 in 9,593,955

SWINE FLUACTUAL ODDS: 1 in 383,758

EARTHQUAKEACTUAL ODDS: 1 in 97,807

MOUNTAIN LION ATTACKACTUAL ODDS: 1 in 32 million

SPIDER BITEACTUAL ODDS: 1 in 51 million

LIGHTNING STRIKEACTUAL ODDS: 1 in 9,903,437

YOU FEAR...

One of the most robust findings of behavioral finance is that we tend to fear high-profile, low-probability events while ignoring more immediate risk to our well-being. To illustrate this, we’ve paired some common fears alongside the far more frightening realities impacting families just like yours.

AIR TRAVEL ACCIDENTACTUAL ODDS: 1 in 567,480

PER YEAR

PER YEAR

PER YEAR

PER YEAR

PER YEAR

PER YEAR

PER LIFETIME

PER YEAR

PER YEAR

PER YEAR

http://www.myretirementwalk.com/http://www.guardianlife.com/

YOU SHOULD FEAR...

Far scarier than any bogeyman, shark or natural disaster is the real burden of making sure you are adequately taken care of before and during retirement. The actions you take today will define how you'll live your tomorrow. We can help.

Go on a journey towards retirement, visit MyRetirementWalk.com

Learn more about Guardian, visit www.GuardianLife.com

43% OF AMERICANS ARE JUST

MOST AMERICANS HAVE THE U.S. NATIONAL DEBT RISES

OF AMERICANS LIVEPAYCHECK TO PAYCHECK

AT AN AVERAGE OF APPROXIMATELY

THE SOCIAL SECURITY TRUSTEES

ONE IN SIXLIVE BELOW THE POVERTY LINE

NEARLY

CONTINUE WORKING

8 in10 WORKERS

AFTER RETIREMENT AGE

YOU SPEND 12 TO 18% MORE WITH A CREDIT CARD THAN WITH CASH

ESTIMATE THAT SOCIAL SECURITY

WILL BE 2033

$3.8 BILLION PER DAY

IN RETIREMENT SAVINGS(EXCLUDING PRIMARY HOME VALUE & DEFINED BENEFIT PLANS)90DAYS AWAY FROM

POVERTY

LESS THAN$25,000LESS THAN$25,000

68%

i owe you $3.8 B per day - AMERICA

EXHAUSTED BY

OLDER AMERICANS

CREDIT

CASH

SOURCES: Injury Facts® 2013 Edition and 2012 Edition, National Safety Council / University of Florida, Wildlife - Johnson Lab / University of California Santa Cruz, 02-2012 / EENS 3050 – Upper Limit Odds, Tulane University, 07-2012 / ISAF 2012 Worldwide Shark Attack Summary / Emerg-ing Infectious Diseases, Volume 15, Number 12, CDC, 12-2009 / Nearly Half of U.S. Households have almost no Savings to Cover Emergencies or Save For the Future. Corporation for Enterprise Development, 01-2013 / The 2013 Retirement Confidence Survey. Employee Benefit Research Institute Brief No. 384, 03-2013 / 12 Scary Debt Facts CBS Moneywatch, 02-2012 / A Summary of the 2012 Annual Social Security and Medicare Trust Fund Reports, 11-2012 / Credit Card Tips for Holiday Shopping. Forbes, 11-2011 / Getting Paid In America. American Payroll Association Survey, 09-2012 / The Research Supplemental Poverty Measure: 2010. U.S. Census Bureau, 11-2011 / The Retirement Savings Crisis: Is It Worse Than We Think? Nari Rhee, PhD, 06-2013 / Most Workers Expect to Keep Working After Retirement Age. Gallup Economy, 06-2011 / Retirement Research Center, using data from the Federal Reserve Board’s Survey of Consumer Finances, retirement-usa.org

This material is intended to potentially assist you in planning for your future. Please note that individual situations can vary, and you should consult your tax, investment or legal advisor for guidance and information specific to your situation. Guardian is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this material. EB016832 2013-5763 The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 10004-4025

THINK THEY WILL

FOR VARIOUS REASONS

48% OF AMERICANS TO THEIR WORKPLACEDON’T CONTRIBUTE RETIREMENT PLAN

DOMESTIC ODDS OF DYING FROM DATA IS INCLUDED FOR GENERAL ILLUSTRATION PURPOSES ONLY.

$6.6 TRILLION

SHORTARE PROJECTED TO BE

OF THEIR NEEDS

AMERICANWORKERS