Keep Your Business Sailing Smoothly

What Makes Your Lifestyle Possible?

In the Short Term:

The Guardian Life Insurance Company of America, New York, NY 10004

Your business

What would happen if you became too sick or injured to work?

Your income

It Can Happen to You

3

*U.S. Social Security Administration Fact Sheet, February 7, 2013.

**Council for Disability Awareness 2013 Long-Term Disability Claims Review.

1 in 4 of today’s 20 year-olds will become disabled before they retire.

*

The Majority of Disabilities Are Caused by Illnesses.**

If a Disability Struck

How would my personal lifestyle be affected?

• How would I pay day-to-day expenses?• What would happen to my longer term plans such as saving for college, retirement, etc.

Ask Yourself:

The Guardian Life Insurance Company of America, New York, NY 10004

How would my business fare?• Without me, who would provide the services?• How would the business pay everyday expenses?

Disability Insurance forPersonal Income Replacement

Key Features to Look for:

Personal Disability Income Insurance• Protects your personal income• Helps you continue paying everyday expenses

• Groceries, auto, utilities, housing, etc.

The Guardian Life Insurance Company of America, New York, NY 10004

• Choice of definitions of disability• True own-occupation• Modified own occupation

• Waiver of elimination period• Waiver of premium benefit• Benefits for partial disability

• Facilitates physical and financial recovery• Options to mitigate some effects of inflation

• Possibility for benefits after the contract ends

Protection for Your Business or Practice

Overhead Expense Insurance• Helps your business continue paying everyday expenses

• Rent• Utilities• Payroll

• Helps your business continue making payments on business loans

• Equipment lease or purchase• Practice or business purchase • Business start-up

Insurance Specifically for Business Loans

Disability Buy-Out Protection

Funds the purchase of a disabled owner’s portion of the business

Disabled Owner’s Concerns• How can I recover my investment?• Why should I let others run my business, using my money?

The Guardian Life Insurance Company of America, New York, NY 10004

Remaining Owners’ Concerns • With an owner not working how will all of the work get done?• Would the disabled owner’s spouse or children want a say in running the business?• Will the disabled partner sell his or her interest to a competitor?

Disability Protection for Your Employees

• Reward key employees• Protect employees and take a tax deduction for the business• Provide employer-sponsored coverage for a group of employees• Protect employee and employer retirement plan contributions

Disability Protection Programs That Enable You to

You can decide whether premiums would be:• Employer-paid• Employee-paid• Combination

The Guardian Life Insurance Company of America, New York, NY 10004

Next Steps

• Yourself• Your business• Your employees

Think about which types of disability protection you need for

Talk with your co-owners.

Contact M. Garrett Wheeler(808)955-6400Martin_wheeler@glic.com

Questions?

ProVider Plus Disability insurance Policy Forms 1400, 1500 or 1600, Overhead Expense Insurance Policy Forms 4100 or 4200, Disability Buy-Out Insurance Policy Form 3100 or 3200, and Business Reducing Term Insurance Policy Form AH55-A 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 or provided by Guardian. Optional riders are available for an additional premium.

Product availability, provisions, and features may vary from state to state.

Overhead Expense Insurance Policy Form 4100 or 4200 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. This Overhead Expense Insurance 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.

This Disability Buy-Out Insurance 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 55%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy. This presentation is provided for informational purposes only and should not be considered tax or legal advice. Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits. You should consult with your own independent tax and legal advisors regarding your particular set of facts and circumstances. The information provided is not intended or written to be used, and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions.

Pub5743BL-PPT ( 11/12) 2012-11800 (Expires 11/14)