WHY SHOULD I BUY DISABILITY INSURANCE FROM THIS COMPANY?

Comprehensive Coverage

Man high-fiving sonWhen it comes to choosing where to buy disability insurance, you want names you can trust. We represent The Guardian Life Insurance Company of America, a market leader in the insurance arena. We believe their personal disability product line, offered through their wholly-owned subsidiary Berkshire Life, is one of the most comprehensive levels of income protection a person can own today. 

The Provider Choice, Berkshire's disability insurance product, offers a level of comprehensive coverage designed to pay the most claim dollars in the most possible claim scenarios. Most of our clients are white-collar professionals who just want to know that they have a great disability insurance policy, and should something happen to them, that they have done their absolute best to make sure their family is taken care of during a claim. 

If you want to know that you bought the best possible protection for yourself and your family, this is the place to begin that process. All you need to do is request a quote using the disability insurance calculator on this page.

Our Agents

Few people in the financial services industry truly specialize in personal disability insurance. Most of the financial professionals you will meet focus on life insurance and investment products. However, every representative in our firm is a member of Berkshire Life's "DI Inner Circle.” That means that we have sold a lot of individual disability insurance to clients across the United States. Our agents have been referenced in disability insurance articles in The Wall Street JournalCNN-Money, The New York Times, Forbes, and Time Magazine. You can also call us toll-free during the workweek at 888-513-2300 from 9-5 EST.

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Get a Disability Insurance quote in seconds. IT's that simple.

If you’d prefer to talk to someone, we welcome your call at 888-513-2300 during regular business hours. (And rest assured, we will never sell your personal info.)

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When considering where to buy disability insurance, we like to ask our clients a simple question: who do you want representing you in the underwriting process? Would you prefer somebody you know locally who has only written 5-10 DI policies during their entire career...or us, a group of experienced agents who have obtained thousands of policies for a wide array of occupations? We have the ability to work directly with the underwriters and have been advocates for bringing product enhancement ideas to the executives. Remember, you are buying this policy to protect your income and your family, not to do a favor for your local friend who is an agent. We are one of the largest writers of disability insurance in the country for Berkshire Life.

There is another benefit to working with us instead of someone local. The information discovered during the underwriting process is often very personal in nature. You will need to disclose your annual income when you apply, and your agent will know everything about your medical history by the time the underwriting process is completed. It's not always easy to disclose some of this information to an agent face-to-face, especially if it is somebody you know well. When you work with us over the phone and through email, it's a lot easier because chances are you will never meet us in person.

Woman on phoneWe Get It Done Quickly

This entire process should take no longer than 30 days to complete from the time you request a proposal to the time you have an in-force policy. We are not going to waste your time. You are here to see if you want to buy disability insurance, and that's all we are going to try to make happen for you. 

Once you have requested a quote, our system will automatically assign you to one of our agents whose contact information you will receive. Please feel free to call them anytime; the earlier that phone call happens, the quicker this process will be. 

Once your agent has reviewed the proposal with you over the phone, it is up to you to decide if you want to buy the policy. Once you have decided to buy the policy, your agent will complete an application over the phone with you and send it to you electronically for review and signature. Once you sign the application, we begin the underwriting process by sending your information over to the carrier to review. This process typically takes less than 30 days to complete.

2020-100546 Exp: 5/1/22