Guardian Disability Insurance Brokerage

Disability Insurance for Consultants

Disability insurance is a product every independent consultant should own. You are your only source of income, and if you are unable to perform because of a sickness or injury, disability insurance just may be your only source of income to support yourself and your family. Larger companies may offer LTD to their employees for free, now that you are on your own it is up to you to protect your most important asset, your ability to earn an income.

The ProVider Plus is one of the most sought after disability insurance products on the market today by white collar professionals*. It provides comprehensive disability coverage for self-employed individuals with a pure own-occupation definition of total disability, a residual disability rider that offers a recovery benefit for up to the entire benefit period, and several other features geared towards a self-employed professional. Request a Quote Call 888-513-2300

Work From Home ? Have LTD Already? Leaving Current Position ? First Year Business Owner Small Business Owner

What does Disability Insurance Do for You?

Disability insurance gives you and your family piece of mind. The odds of you suffering a long term disability are much greater than you think. As a consultant you rely on your own ability to generate revenue, and to bring home an income. If you are unable to do what you do, there simply is no safety net other than a DI policy to make sure you can maintain your existing lifestyle.

If you are sick or injured, and cannot perform the material and substantial duties of your regular occupation, the policy will pay you a percentage of your income on a tax-free basis every month until you recover or reach the end of your benefit period. The percentage replacement will depend on your current level of earned income, the higher your income the lower the replacement ratio will be. The lower your income, the higher the percentage replacement ratio will be. Berkshire is the #1 issuer of non-cancellable disability insurance according to the 2009 LIMRA U.S. Individual Disability Income Insurance Annual Review report, based on annualized premium. As an independent consultant, it is up to you to secure your own benefits. If you depend on your ability to work and generate an income, we would recommend owning a ProVider Plus policy to protect that income.

Request a Quote