Guardian
Best Disability Insurance
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Guardian Specimen Disability Contract
Non-Cancellable, Guaranteed Renewable
Definition of Disability (Own Occ!)
Mental/Nervous (No Limitation!)
Future Increase Option (FIO) Rider
Cost of Living Adjustment (COLA) Rider
Catastrophic Benefits (CAT) Rider
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About Guardian
Founded in 1860, The Guardian Life Insurance Company of America, New York, NY (Guardian) is one of the largest mutual life insurance companies in the United States. Guardian and its subsidiaries are committed to protecting individuals, business owners and their employees with life, long term care insurance, disability income, medical and dental insurance products, and offer 401(k), annuities and other financial products and trust services. As of December 31, 2009, Guardian and its subsidiaries had $42.7 billion in assets (on a consolidated statutory basis). The company has more than 5,400 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.
http://www.guardianlife.com/solutions/product_portfolio/disability_insurance.html
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About Berkshire
Berkshire Life Insurance Company of America, Pittsfield, Mass. (Berkshire), is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, N.Y. Berkshire Life specializes in products that are excellent for highly skilled professionals, executives and business owners. In 2001, Berkshire Life Insurance Company merged withThe Guardian Life Insurance Company of America. The newly formed Berkshire Life Insurance Company of America is now responsible for all individual DI insurance products for the merged companies. Their combined strength in this competitive field has created a new force to be reckoned with in the twenty first century.
