Individual Disability Insurance Products

Provider ChoiceProvider Choice Disability Insurance Brochure

This is the flagship income protection product from Guardian1.

While Guardian1 is known to be a number one choice for the medical and dental marketplace, Provider Choice is an excellent choice for other white-collar occupations including business owners, attorneys, executives, and sales professionals.



PayGuard Brochure ThumbnailPayGuard Plus

This is a total disability only policy designed with a budget in mind.

  • Benefits paid for total disability only
  • Benefit Period from 5 - 30 years.
  • Modified Own-Occupation (True Own-Occ by Rider)
  • Waiver of Premium


Business Disability Products

Business Overhead Expense ThumbnailOverhead Expense

When the business owner is also the rain-maker, this product helps ensure there is a business to return to after a sickness or injury. Overhead Expense will cover most deductible overhead expenses, including;

  • Rent & Utilities
  • Employee Salaries
  • Insurance Premiums
  • Business Equipment Expenses

Several optional riders allow you to truly fine-tune this product to meet the needs of your client's business. Premiums for this product are also deductible!


Disability Buy-Out ThumbnailDisability Buy-Out

Whether your client is a sole proprietor or a business partner, it's important that they have a business continuation plan in place with the proper means of funding should they suffer a disability.

  • Three Business Valuation Options Built into the Policy
  • Several Optional Riders Available
  • Lump-Sum, Down-Payment, or Monthly Installments Available

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.

2022-140682 Exp: 7/26/24