GUARDIAN DISABILITY INSURANCE PRODUCTS

Individual Disability Insurance Products

Provider Choice Disability Insurance BrochureProvider Choice

This is the flagship income protection product from Guardian1. There are three options to choose from for your clients;

  • Premier
  • Select
  • Essential

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 to make sure 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 clients 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 it should your client or a partner 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.

2020-100546 Exp: 5/1/22