Guardian1 has been one of the market leaders in personal disability insurance for financial professionals and insurance agents since the late 1990s. The Provider Choice policy is one of the most comprehensive levels of protection you can get to protect your income, and here you can learn what makes this one of the best disability insurance policies available today.
How ProVider Choice Protects Your Income Better
You buy disability insurance because you want to protect your income and probably your family. Too many competitors have a "loss of time or duties" requirement to pay a partial disability claim. Under Guardian's1 Enhanced Partial Disability rider they do not require this loss of time or duties at your job to pay a partial disability benefit. This allows them to pay benefits until you financially recover from a sickness or accident, not just until you physically recover like many of our competitors.
Disabilities Are Usually Illness Claims
According to the most recent statistics, about 90% of claims are from an illness, not from an accident2. Typically an illness does not recover miraculously, and it may take a long time to get back to normal. It could take even longer to financially recover after you have physically recovered. Why would you ever buy a policy from somebody who has a "loss of time or duties" requirement before they pay a partial disability claim? This allows many competitors to stop the payments as soon as you are healthy, even if it may take years to get back to where you were financially before the claim.