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Guardian is rolling out our  2014 NJ TDB Program and they can guarantee savings.........

If...
--  Group is 16 - 300 lives
--  TDB is currently with the State of NJ
--  Employer rate is equal to or less than $0.45

Then...
--We can guarantee savings   

Advantages of placing your TDB business with Guardian
-- Guaranteed savings for employer
-- We pay commissions (state does not)
-- We absorb annual assessment fee

If you have a prospect or targeted client, please provide the most recent AC174 form*.