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DISABILITY PRODUCT LIST |
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Underwritten & Issued by Berkshire Life Insurance Company of America
(a wholly owned subsidiary of Guardian Life Insurance Company of America)
Click on the name of a product to see more information.
| PERSONAL NON-CANCELLABLEA Non-Cancellable policy with a true "own-occupation" definition of total disability to age 65 for occupational classes 6,5,4, and 4P. It offers competitive rates for many of the top occupational classes, and a variety of excellent riders: Residual, COLA, Future Increase Option, Automatic Increases, etc. Maximum issue amount is $15,000. Maximum participation with Group LTD is $25,000 ($10,000/$15,000 for physicians, dentists, podiatrists).
CLICK HERE for ProVider Plus Product Information and Specimen Policies
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BUSINESS/PROFESSIONAL OVERHEAD EXPENSE
This policy reimburses business or professional overhead expenses during disability. A residual disability provision is built into the policy. This is a Non-Cancellable policy. The Maximum issue amount is $30,000 a month.
CLICK HERE for Overhead Expense Product Information and Specimen Policies
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DISABILITY BUY-OUT
This policy helps your client buy out the interest of a disabled partner or co-shareholder. The maximum issue amount is $2 million, depending on the case facts and the funding method. There are three funding methods; Lump Sum, Monthly Payout and Downpayment.
CLICK HERE for Buy-Out Product Information and Specimen Policies
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PERSONAL DI REDUCING TERM
A specialty policy designed to protect business owners with outstanding loan payments. Guardian will pay a percentage of the scheduled monthly loan payments during a disability.
CLICK HERE for Reducing Term Product Information and Specimen Policies
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RETIREMENT PROTECTION PLUS
This policy protects the defined contribution pension contributions of your clients. Coverage is available in addition to current Issue & Participation limits - even for physicians and dentists.
CLICK HERE for Retirement Protection Plus Product Information and Specimen Policies |
MULTI-LIFE
Our Guaranteed Standard Issue (GSI) multi-life DI program gives you the opportunity to write multiple lives with one sale. It's an excellent way to leverage your sales efforts by focusing on fewer cases offering higher returns. What's more, each sale provides a new base of customers receptive to innovative financial solutions that you can target for other services and programs that you offer.
CLICK HERE for Multi-life Product Information and Specimen Policy |
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