Can't Find Your Occupation on our Website?

Guardian's¹ disability insurance product is geared towards white-collar occupations, they are unable to insure any blue or grey-collar occupations. While we do not have a dedicated page for every occupation that Guardian covers, we do have pages for the most popular occupations buying policies from us. Please also use the search function to help locate a page for your occupation if you would like to learn more about how well Guardian's Provider Choice policy* fits your occupation.

You can also use the disability insurance calculator below to see if your occupation is listed. That is probably the most extensive list of occupations we can offer to see if Guardian will offer you coverage.

Provider Choice Disability Insurance Options

If your occupation is considered white-collar, odds are very good that Guardian can make you an offer to protect your income. Depending on your age, gender, income, health history, and occupation we would probably advise you to choose one of the three options to Provider Choice;

• Premier
   
• Select
   
• Essential

Premier

This option is the state of the art option with all of the bells and whistles. If you have the ability to pay for this policy, you can rest assured that you have the most comprehensive level of disability income insurance protection available on the market today. It is our belief that no other company can say they offer a better contract that offers more comprehensive benefits than the Premier option of Provider Choice.

Select

This is a great policy, and quite frankly we sell more of this than we do any other option to people we meet online. It has the same strong foundation as the Premier option, but a bit fewer bells and whistles. Not every occupation may need true own-occupation benefits or the enhanced version of the partial disability rider.

Essential

Quite frankly this is a budget version for people who just want to protect against worst-case scenarios. We tend to sell this to white-collar occupations that need to focus more on fitting this into their budget.

¹Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.