Business Owner Advantage Program

Now, Your Business Owner Clients Can Qualify For More

We want to be your choice when protecting the incomes of business owners, and here's proof.

We're raising issue limits on our ProVider Plus* individual disability insurance policy by up to $2000 for business owners outside the medical/dental markets. The chart below is a sampling of the new issue limits.


It's the most generous DI benefit structure for business owners on the market, but more importantly, you're providing them with optimal coverage.

Check these features:
• True own occ definition of total disability embedded in the contract
• 15% loss of income threshold for residual benefits—with no loss of time or duties requirements
• A loss of income benefit for up to the first 12 months of residual disability
• 6 month waiver of premium after recovery
• Upon recovery, COLA increases become part of the base monthly benefit at no additional premium until age 65/67
• No fees for monthly premium payments automatically deducted from savings or
checking accounts.
So, show your business owner clients you have their best interests in mind by showing them ProVider Plus—
up to $2000 more benefit, and much more value for their hard-earned premium dollar.

*Disability insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly-owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY, or, in California, provided by Guardian. **Limits shown for Policy Forms 1400 and 1500; similar increases for Policy Forms 0100, 1100, 2100, NC111 and NC112. Product provisions and features may vary by state.
For Producer Use Only. Not For Use With the General Public.