Supplement dated August 1, 2000
to the Prospectus dated May 1, 2000 for Park Avenue Millennium Series - 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 N and marketed under the name "Park Avenue
Millennium Series".
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.
