Guardian declare div rate for 2023

Wow! Great news for Guardian. That increase puts them even with Penn now.

They have been very conservative over the past 5 years compared to the rest of the industry. Looks like it might be paying off now.
 
It's nice for the agents and tells a good story.
In reality, it is window dressing.
There really is very little difference in the illustrations.
It is a nice sign of new management taking a more aggressive stance to dales.
 

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