The company also counts Guardian Life and Morgan Stanley Smith Barney among its users.

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Not so, says John Krubski, research advisor of The Guardian Life Small Business Research, which released its list of trends for small businesses in 2012.

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Aegon, another Dutch insurer, is more interested in the life business (hence its purchase of Guardian's life-insurance arm).

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In a question-and-answer session on the website of the Guardian newspaper, he said there had been threats against his life.

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Like many other financial product firms, Guardian works through agents and brokers who have their choice of products such as life insurance and annuities to offer customers in addition to a proprietary channel.

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The guardian of this chapel is Dermot Duggan, drawn back to New Bedford after a life spent travelling the world in the Marine Corps.

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However, she is also a young woman who has spent most of her life trapped in a tower, reading books and interacting only with her monstrous guardian, Songbird, and is experiencing Columbia for the first time.

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