Retirement Protection Plus*

Disability Insurance Protection for the Retirement Nest Egg You've Worked So Hard To Create

You know the importance of planning ahead; that is why you’ve worked hard to set aside money for your retirement. But what if you couldn’t continue to make regular retirement plan contributions due to illness or injury? It’s important to put a fallback plan in place to ensure that money continues to be put away for your retirement even if you become disabled.

Retirement Protection Plus is a program that provides disability insurance protection. It is not a pension plan. Rather, it is a program that provides disability income insurance to help ensure your ability to make retirement plan contributions until the age of 65. The goal: to provide you with close to what you could have expected from your retirement plan if you had not become disabled.

Berkshire Life is one of the very few companies to offer disability protection specifically for retirement plan contributions. We issue a non-cancellable and guaranteed renewable to age 65 policy that pays the amount you contribute now – perhaps even the amount your employer contributes – into an irrevocable trust.

• The trustee, Guardian Trust Company, FSB, invests the funds, in consultation with you, until you reach age 65.
• Upon retirement, the trust assets are distributed to you to supplement the income you receive from your original retirement plan.
• It is available as a stand-alone policy should you have existing in-force income protection, or as an optional rider with a ProVider Plus Policy.

* Disability insurance policy forms 1400, 1500 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, New York, NY ("Guardian"). Policy forms NC111 or NC112 in California provided by Guardian.

Product provisions and features may vary from state to state.