Guardian Disability Insurance Brokerage

Disability Insurance for Professionals

Disability Insurance Quote Gender: View All Male Female Age: View All 25-30 31-35 36-40 41-45 46-50 51-55 Monthly Benefit Amount: View All $0-$1,000 - (Income needed: $ 18,000) $1,000-$2,000 - (Income needed: $ 34,000) $2,000-$3,000 - (Income needed: $ 52,500) $3,000-$4,000 - (Income needed: $ 75,000) $4,000-$5,000 - (Income needed: $100,000) $5,000-$6,000 - (Income needed: $124,500) $6,000-$7,000 - (Income needed: $148,500) $7,000-$8,000 - (Income needed: $171,500) $8,000-$9,000 - (Income needed: $196,500) $9,000-$10,000 - (Income needed: $220,000) $10,000-$11,000 - (Income needed: $243,500) $11,000-$12,000 - (Income needed: $266,500) $12,000-$13,000 - (Income needed: $290,000) $13,000-$14,000 - (Income needed: $312,500) $14,000-$15,000 - (Income needed: $348,000) $15,000-$16,000 - (Income needed: $408,000) $16,000-$17,000 - (Income needed: $475,000) Our agents have 11,388 Professional Clients

A disability insurance policy is one of the most important aspects of a sound financial plan. Berkshire Life Insurance Company of America has one of the most benefit rich disability insurance policies in the marketplace today, the ProVider Plus. In 2012 they were the number one writer of individual non-cancellable disability insurance nationwide¹. Their rates are guaranteed to remain level until you reach age 65, and their definition of total disability is own-occupation. The ProVider Plus policy does an excellent job of protecting the interests of white collar professionals, and offers you the ability to customize a disability insurance policy to fit the specific needs of your occupation. Choose from the list of occupations below to learn more about how Berkshire's ProVider Plus policy can protect you in your own occupation.

Disability Insurance Quotes Call 888-513-2300

Guardian's Unique Advantages

Most Common Optional Riders1 for Professional Clients Based Upon the Age, Gender, & Benefit Amount Selected Above 1. Residual Disability Benefit Rider This rider provides a benefit when solely due to sickness or injury‚ you suffer a loss of 15% or more of your income. There is no loss of time or duties requirement. This rider also has a recovery provision whereby‚ if you recover and return to work but still suffer a loss of income of at least 15% of your prior income‚ you will continue to be eligible for this benefit for the full duration of the benefit period. Most agents feel this is a must have rider on every policy. 93.15% 2. Future Increase Option Rider This option allows consumers the ability to obtain additional disability coverage in the future regardless of any adverse changes in their health. Many people believe that their incomes will continue to rise over the years‚ and this rider allows you to buy more disability insurance coverage in the future each year on the policy's anniversary up to and including age 55. The rider also includes special option dates that allow off-anniversary increases for events such as the loss of group long term disability coverage. While medical information is not required when exercising this option‚ applications to exercise this option will be financially underwritten taking into consideration both current income and all other disability insurance in force for the insured has applied or is eligible to receive. 68.34% 3. 3% Compound Cost of Living Adjustment (COLA) Rider2 Cost of Living Adjustment rider will increase your total monthly benefit every month you are on claim up to 3% after you have been disabled for 12 months. 57.85% 4. Catastrophic Disability Benefit Rider This rider provides additional benefits to you should the disability be so severe that is causes you to be unable to perform 2 or more of the Activities of Daily Living including: bathing‚ dressing‚ eating‚ transferring‚ toileting‚ or continence or you suffer a cognitive impairment requiring substantial supervision. 15.50% 5. 4-Year Delayed COLA Rider2 This Cost of Living Adjustment (COLA) rider will help to increase benefits during a claim. The 4-Year Delayed option is less expensive than a normal 3% COLA rider because you are essentially self insuring the first 4 years of COLA increases during a claim. 11.83% 6. Automatic Benefit Enhancement Rider This rider is at no cost‚ and will increase your monthly benefits by 4% every year for six years‚ with no proof of income. While the rider itself is provided at no cost‚ additional premiums are required... for coverage added by the rider. 9.89% 7. Social Insurance Substitute Rider This is a monthly benefit that coordinates with payments received from the Social Security Administration ('SSA') for a disability‚ as well as other similar government programs. If you receive Social Security Disability Insurance‚ the insurance company will reduce the amount of benefits payable under this rider dollar for dollar from $200 to $1‚500 . This rider is often purchased to reduce the total cost of coverage‚ while helping assure an adequate level of disability protection. 5.34% 8. Unemployment Waiver of Premium Rider An inexpensive rider that waives the premiums for your DI policy for up to one year should you be on unemployment and receive unemployment compensation for at least 60 consecutive days. 3.28% 9. 6% Compound Cost of Living Adjustment (COLA) Rider2 Cost of Living Adjustment rider will increase your total monthly benefit every month you are on claim up to 6% after you have been disabled for 12 months. 1.79% 10. Retirement Protection Plus Disability Benefit Rider3 This rider provides an additional benefit when you are totally disabled and not gainfully employed. It is designed to help replace contributions made to defined contribution retirement plans by you and your employer. The RPP monthly indemnity will be paid to the trust for you while you are totally disabled and not gainfully employed. This is not a pension plan or a substitute for one. 1.67%

Once you understand the need for income protection, either because you know somebody who has lived through a disability, or you finally understand the risk, the only decision left to make is which company you are going to use. Berkshire's ProVider Plus disability insurance policy is the number one selling Non-Cancellable DI policy in the market today¹ to professionals throughout the United States. There are several reasons people choose Berkshire over the competition, the ProVider Plus policy has several unique advantages:

• Own-Occupation Definition of Total Disability
• Competitive Pricing For Professionals
• Optional Graded Lifetime Indemnity Benefit Rider
• Recovery Benefits For up to The Entire Benefit Period with Residual Rider
• Residual Rider Starts at 15% Instead of 20%, and does not require a loss of time or duties
• 4-Year Delayed COLA Rider
• 5-Year Waiver of Elimination Period

Our disability insurance specialists are available by phone during the week from 9-7 EST toll free at (888) 513-2300. You may request a disability insurance proposal by clicking the link below, or just give us a call to speak with a qualified representative today.

Disability Insurance Quotes Call 888-513-2300