Life, Health & Pension

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  Guardian Life of The Caribbean Limited (100%)
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  Guardian Life Limited (100%)
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  Fatum Life Insurance N.V (100%)
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  Fatum Life Aruba N.V (100%)
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  Fatum Health N.V (100%)
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  Guardian Life (OECS) Limited (100%)
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  Bancassurance Caribbean Limited (100%)

Property & Casualty

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  Guardian General Insurance Limited (100%)
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  Guardian General Insurance Jamaica Limited (100%)
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  Fatum General Insurance N.V (100%)
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  Fatum General Insurance Aruba N.V (100%)
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  Guardian Re (S.A.C) Ltd (100%)
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  Guardian General Insurance (OECS) Limited (100%)
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  Guardian Group Nederland N.V. (100%)
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  Royal Star Holdings Ltd (26.22%)

Insurance Brokerage

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  Fatum Brokers Holding B.V. B.V (100%)
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  Vanguard Risk Solutions Limited (67.74%)
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  Thoma Exploitatie B.V (100%)

Asset Management

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  Guardian Group Trust Limited (100%)
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  Guardian Asset Management & Investment Services Limited (100%)

Strategic Alternative Investments

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  Laevulose Inc Limited (100%)
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  RGM Ltd (33.33%)
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  Tobago Plantations Limited (25%)