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Guardian Product

Designed for value and built for flexibility so that you can live more confidently — on your terms.

Premier Registered agents only

The Premier package is Guardian's most comprehensive policy design and the option most commonly sold to white collar professionals. To access the disability insurance calculator for the Provider Choice Premier policy, we invite you to Register Here.


This package offers the same strong core benefits to Provider Choice as the Premier package. It does not offer the Enhanced Partial Disability Benefit Rider, thus requiring a loss of time or duties to pay a claim. Unlike the Premier, Select policies do have a 24-month mental and nervous limitation. Options to increase coverage occur every 3 years instead of every year with Premier.


A product for the budget minded consumer. The Essential package offers a 2-year own-occupation definition of total disability, and a 6-month partial disability rider. There are future increase option riders available with the Essential package.

Do you graduate within 6 months?
Client Has Group LTD through work?

One size does not fit all, particularly when it comes to protecting income. The best policy isn’t necessarily the one loaded with every feature available; it’s often the one that’s tailored to your needs. Provider Choice offers deep value and comprehensive coverage in its base policy (one of the strongest in the industry), then allows you the opportunity to add flexible options to further personalize your coverage.