Test Your DI Knowledge

OK, maybe this isn't for everybody. If you feel up for a DI knowledge challenge, we have a little on-line quiz for you. It is a 50 question exam covering all aspects of Guardian and Berkshire disability insurance, if you are up for it, feel free to TEST YOUR MIGHT.

General Information Manual & DI Sales and Marketng Plan

Agents who have a plan and follow it experience a much greater level of success than those who do not. Berkshire has published a DI Sales and Marketing Template agents can use to build a disability insurance plan for themselves.

We have also updated our DI Product Manual. There have been quite a few changes within the manual including the occupation classification guide, special limits for young professionals, professional overhead expense, group conversions, the CAT rider, and more.

Long Term Care - 2 Hour CE Class August 17th

James Brooks will be teaching a 2 hour CE course on the subject of long term care insurance in our office on Friday August 17th at 9:30am. This will be an intro level course on the subject.

View Details or Register Online

DI Difference Course - Agent Training

We are in the process of updating the DI Difference Course, and within a short period of time will have an all new course for you to review. If you would like to save the current version of the course, now is the time to download it before it is gone forever.

The new course will have interactive training, with a quiz after each chapter. Some of the tests are ready to use now.

Chapters 1 and 2
Chapters 3 and 4
Chapter 7

Fillable PDF Applications Available

You can now download fillable PDF applications for every state in our forms on demand section. Fill out the applications easily on your PC, and just print them and have the client sign it.

Multi-Life Offers 10-19 Lives: Underwriting Parameters

In order to establish a minimum offer of $2,000 GSI coverage per employee on Multi-Life cases in which there are at least 10 insurable lives, the following parameters must be observed.

1. Demographics of the group must adhere to the following guidelines:
At least 10 insurable lives.
Occupations must fall into Berkshire's best classifications (4-6). Class 3 and below are not candidates for this offer.
Average issue age of the group cannot exceed 55.
Participant gender mix should not exceed 40% females younger than 40.

2. Retirement Protection Plus (RPP)is the only coverage available to groups in the medical market.

3. Coverage must be employer-paid.

4. The standard complement of riders and features is available with the following exceptions:
Zero day pre-existing conditions limitation is not available.
Extended mental and nervous coverage is not available.
Zero-day pre-existing and COLA are not available (except at underwriting discretion and requires prior underwriting approval).

5. Underlying LTD must be in place. If it is not in place, there must be an expressed interest in individually underwritten buy-up coverage.