Home-Based Business Disability Insurance

You're the boss, and the receptionist, the CFO and the head of maintenance, too. So who pays the bills if you can't? If you couldn't work due to a disabling accident or illness, who would take over to pay your mortgage. . . grocery bills. . . car payment and utilities?

The truth is, no matter how many PCs, manila folders and planners you own, your home office is not complete until you have the same protection as your corporate counterparts. After all, your chances of becoming disabled during your working years are just as high as theirs — and your household is every bit as dependent on your ability to generate an income, too. That's why you need a safety net you can count on - Provider Plus* disability income (DI) coverage for home-based business owners.

If you meet the following qualifications, you are eligible to be considered for this outstanding protection:

• You've been in your home-based business for at least three years and are an independent contractor
• Your yearly income is at least $35,000
• Your home-based employment is full-time, with a minimum of 30 hours at work-at home and away-each week, year-round

For you, home is where the bottom line is. And to protect that bottom line, you need high-quality DI insurance designed especially for your needs. To find the nearest source of our DI coverage for home-based business owners, call 888-513-2300. Call today - and feel very good about tomorrow.

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ProVider Plus DI pays you up to $10,000 a month** - just when you need it most.

High-quality coverage, especially appropriate for business owners like you

And Berkshire's disability insurance is non-cancellable, too, which means your policy stays in force just as long as you pay the premiums - premiums that the company can't raise prior to your reaching age 65. Specially developed to meet the unique needs of your business style, our own-occ DI for home-based business owners is available now and ready to be customized for qualified applicants between the ages of 18 and 55. And Provider Plus offers you these important extras:

• A range of benefit periods: choose from two years, five years or to age 65
• A choice of elimination periods (the period of time that must elapse before you begin receiving benefits): select three months, six months or 12 months (Longer elimination periods mean lower premiums)
• Various riders to enhance your policy's value, including:
  • Social Insurance Substitute Rider: Provides supplementary benefits in the event you don't receive disability payments from Social Security
  • Future Increase Option: Lets you increase your coverage year by year
  • Cost of Living (or COLA):Helps your benefits keep up with inflation

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*Form 1100, 0100, 2100. Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly-owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY.
**Maximum benefits, available to top three occupation classes only. Actual benefits are determined by Berkshire Life.