Guardian Disability Insurance Brokerage

10 Easy Tips to Buying The Right Personal Disability Insurance Policy
by Steven L. Crawford

Purchasing individual disability insurance can become a difficult decision in today’s market if you are buying a policy for the first time. There are about a dozen different carriers that provide the majority of disability insurance (DI) sold today, and finding the best company possible to protect your …

Mutual vs. Stock Life Insurance Companies
by William Olmsted

There are two types of insurance companies providing life and disability insurance to their clients. Stock insurance companies have financial pressures that are shorter term than their mutual counterparts. Mutual insurance companies, on the other hand, have the longer term focus of their policyholders …

Top 10 Disability Insurance Myths
by Anthony DelVecchio

1. All Contracts that have “Own-Occupation” language are the same. Unfortunately the term “own-occupation“ can be misleading if not fully understood. Here are the 2 most common: True Own-Occupation- as a physician looking at disability quotes, this is the definition you should focus on. This definition …

Disability Insurance To Protect Your Family
by Steve Crawford

It is common for new parents to think about buying some life insurance when they have their first child, but how many of us thought about getting individual disability insurance? Individual disability insurance is designed to protect your income depending on the policy you purchase. It will pay you …

Top 3 Mistakes People Make Buying Disability Insurance
by William Olmsted

In 2008, my office submitted over 1800 applications for individual long term disability insurance with major insurance companies. In doing so, I’ve seen many mistakes that people make once they’ve decided to buy a disability insurance policy to protect their income. I’d like to share the top 3, and …