Supplement dated August 1, 2000
to the Prospectus dated May 1, 2000 for Park Avenue VUL
The following supplemental information should be read in conjunction with
the Prospectus dated May 1, 2000 for the Variable Universal Life Insurance
Policy issued by The Guardian Insurance & Annuity Company, Inc. ("GIAC") through
The Guardian Separate Account M and marketed under the name "Park Avenue VUL".
For policies issued in the State of Illinois, wherever the phrases
"No-Lapse Guarantee" and "No-Lapse Guarantee Premium Test" appear in the
Prospectus, replace them with the phrases "Minimum Premium Period" and "Minimum
Premium Period Test", respectively.
