The Reason Sales Professionals are One of our Easiest Sales

You are here because you are thinking about getting disability insurance for yourself, and odds are it is also because you want to protect your family. There is one major difference between Guardian's^* disability insurance and our closest competitors that is a massive benefit to sales professionals. Once you understand what it is, and how much additional money it could mean to you and your family you just won't buy anything else to protect your income.

A Recovery Benefit 

You are buying disability insurance to protect your source of income, your continued ability to go to work every day. Statistics show 90% of long-term disability claims are caused by an illness, not by an accident². Regardless of the kind of sales you are in, imagine how long it took you to achieve the level of success you have right now. Then ask yourself how long it would take to get back to this level if you were disabled for 2.5 years (the average length of a claim)¹. The point is when people start to recover it doesn't happen all at once. Nobody waves a magic wand to heal them. It takes a long time for the majority of people to physically recover. Many of our competitors stop paying benefits once you have physically recovered. If you have the Enhanced Partial Disability Benefit Rider, Guardian keeps paying you until you financially recover!

Your illness claim may have only lasted for 2.5 years, but it may take 3 times that long until you financially recover. You are buying disability insurance to protect your income, and if a sickness or injury prevents you from working for 2.5 years, but it takes another 10 to recover financially Guardian will keep paying you, unlike our competition.

The Sales Cycle

If you want to go into the rest of the details on Guardian's Provider Choice policy* please feel free, but this is all we talk about with other sales professionals. To make a sale you have to prospect, generate interest, make your presentation, then finalize the sale. Should you recover from a long-term disability, you are starting at ground zero prospecting again. Odds are you have nothing in your pending business files. The point is it may take sales professionals even longer to recover financially from a disability. There is just not a good reason for anybody in the sales industry to buy a policy from one of our competitors who requires a "Loss of Time or Duties" on their partial or residual portion of their contract.

We Are Asking You For Your Business Now

If you have not already requested an instant disability insurance quote from the calculator above, please do so now. You have the ability to customize the amount of coverage you would like to have, and you can apply online without ever having to talk to an agent if you don't want to. We do prefer to discuss all of your options with you, you will be assigned an agent when you request a quote that you can call at will. We are not high pressure, all of us have been doing this for over 20 years, and we look forward to the chance to discuss your options over the phone. Call us anytime at 888-513-2300.

* Individual 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.
¹Commissioner’s Individual Disability Table A
²https://disabilitycanhappen.org/disability-statistic/