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EVALUATING GUARDIAN DISABILITY INSURANCE: Your Income is Your Most Valuable Asset The risk of disability: Could it happen to you? Disability Insurance Features Key Considerations Before You Decide Whether you walked through this information on your own or with an insurance advisor, you are now much better prepared to make the appropriate choices when designing a policy that is best for you. As you customize coverage options with your advisor, use this checklist to make sure you cover all the bases: How much monthly benefit should I apply for? How soon after disability are benefits payable? (Which elimination period should I choose?) How long should benefits last? (Which benefit period should I choose?) How do factors such as my occupation, income and health status influence the cost of coverage? Why should I consider adding the Residual Disability Benefit Rider? Is there a good way to help my policy keep pace with increased earnings? What are the differences between the Future Increase Option and Cost of Living Adjustment riders? What’s the best way to help protect my retirement income? When would a Catastrophic Disability Benefit Rider work in my favor? Should I add the Unemployment Premium Waiver Rider? Should I consider the Social Insurance Substitute Rider? Request a Quote Call 888-513-2300 Next Steps Ask to review a proposal – Your advisor will create a recommendation based on the features and benefits you discussed. This proposal will provide the cost of coverage, showing the premium for the base policy as well as the cost of each additional rider. Think about your business – If you are a business owner, there is more at risk should you become too sick or injured to work. These options can give you peace of mind: Overhead Expense insurance helps you pay monthly expenses to keep the business up and running, including the cost of a temporary replacement. Disability Buy-Out insurance helps to solve the funding problem should one of your partners become disabled and need to leave the business. Business Reducing Term insurance helps meet fixed obligations such as loans or employment contracts. One application, one underwriting process – If you are considering individual income protection, yet need the business protection described above, it makes sense to take care of it at the same time. Get the ball rolling – Work with your advisor to complete the application. He or she will also brief you on the medical and financial information needed to help evaluate your application. Protect Your Most Valuable Asset Safeguard your lifestyle and your future financial well-being by choosing ProVider Plus. When you do, you’ll have the comfort of knowing you own a comprehensive policy from a highly reputable and experienced company with a history of stability and success.

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