"From day one, when it was necessary to contact your company about my inability to work, I have been treated fairly, professionally, compassionately and expeditiously...
Your company has always been there for me and I am forever grateful."
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Personal DI Customer
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Protect Your Business
If you own a small business or share in a practice with other
partners, a disabling illness or injury could devastate your firm's
cash flow. Revenue would decrease; monthly expenses would not.
You need to know that the firm will remain financially strong even
if a disability forces you—or a partner—to the sidelines.
• Disability Buy-out1
• Overhead Expense2
• Business Reducing Term3
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Disability insurance Policy Forms 31001 and 41002 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Policy Forms NC822 and AH841 in Montana, and Policy Form AH55-A3 provided by Guardian. Product provisions, features and availability may vary by state.
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1 This policy provides disability buy-out insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 60%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy
2 This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy
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