GUARDIAN DISABILITY INSURANCE DETAILED PRODUCT INFORMATION
Provider Choice Disability Insurance Policy
The individual disability income insurance product available through Berkshire is the Provider Choice. This page offers you a detailed brochure of the benefits of the Provider Choice, as well as an annotated specimen policy. This policy is one of the most comprehensive policies available to a white-collar professional today. It offers a true own-occupation definition of total disability and an enhanced partial disability benefit rider that does not require a loss of time or duties in order to pay a claim. The Provider Choice disability insurance policy through Berkshire Life was designed to be some of the most comprehensive levels of protection a professional can buy in order to pay the most claims in the most possible claims situations.
The number one reason people purchase DI protection is to protect their families. If you understand that your ability to continue to earn an income is your most valuable asset, then you will not want to get the cheapest version of disability insurance.
This is an actual specimen policy of Provider Choice1. The specimen policy shows the actual language in a sample policy as well as the sample language in every possible optional rider available to you. Remember, a disability insurance policy is a legal contract and is not like life insurance where there is only one way to get a claim paid. Every DI policy is different because every policy has different definitions of total partial, and presumptive disability.
1. See the disclaimer link below for policy form numbers and additional details.
* 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.