Guardian Disability Insurance Brokerage

DISABILITY INSURANCE FOR CONSUMERS
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Disability Insurance for Emergency Medicine Physicians

A Unique Policy For ER Physicians

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Our agents have 442 Emergency Medicine Physician Clients
 

Guardian owns several independent subsidiaries, including Berkshire Life who is the leader in individual Non-Cancellable disability insurance policies4. There are many reasons so many ER Physicians choose to buy this policy:



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How Do I Choose The Best DI Policy For Me?

We understand that you have probably been approached by many people over the past several years to buy an individual disability insurance policy from them. There are several carriers in the marketplace, and Berkshire has been the number one disability insurance carrier for several years4. The vast majority of Berkshire's business is in the medical marketplace with physicians and dentists, and the ProVider Plus policy is designed to fit your occupation and medical specialty. You aren't going to make a mistake going with Berkshire for your policy, it just may be the most comprehensive level of disability insurance protection you can own today.

You need to choose who you would like to work with on your disability insurance policy. The associates in this agency who you will work with are all a member of Berkshire's "Inner Circle" of top DI agents. They have all met strict requirements to become a member of this group, and focus on DI every day. Spend just a few moments on the phone discussing your needs for DI, and you will understand just how qualified our associates are to help you.

Most Common Optional Riders1 for Emergency Medicine Physician Clients Based Upon the Age, Gender, & Benefit Amount Selected Above
1. Residual Disability Benefit Rider 97.29%
2. Future Increase Option Rider 64.25%
3. 3% Compound Cost of Living Adjustment (COLA) Rider2 58.60%
4. 4-Year Delayed COLA Rider2 20.14%
5. Catastrophic Disability Benefit Rider 15.16%
6. Automatic Benefit Enhancement Rider 9.95%
7. Social Insurance Substitute Rider 4.30%
8. Basic COLA 3 3.62%
9. Unemployment Waiver of Premium Rider 1.81%
10. 6% Compound Cost of Living Adjustment (COLA) Rider2 1.58%
emergency room physician
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Click here for important information regarding the statistics and information displayed on this page.

1Optional riders are available for an additional premium.
2This benefit is not necessarily protection against increases in the cost of living.
3Retirement Protection Plus is not a pension plan or a substitute for one.
4Berkshire Life is the leading provider of fully underwritten non-cancellable disability income insurance, according to the 2012 LIMRA International U.S. Individual Disability Income Insurance Participant's Report, based on 2012 annualized premium.

Financial Balance Group LLC is a general agency of The Guardian Life Insurance Company of America, NY, NY. Guardian Disability Insurance Brokerage is the brokerage arm of Financial Balance Group LLC. Disability insurance agent information provided on this web site is for broker use only. For important information about the disability insurance products and insurers discussed on this page, as well as information concerning Guardian Disability Insurance Brokerage or the General Agency representing Guardian, please click here.
Copyright Steven L. Crawford (General Agent).
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