Individual Disability Insurance from Guardian Everything you need to care for your client Disability...
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Individual Disability Insurance from Guardian Everything you need to care for your client Disability income insurance 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 or in California, provided by Guardian For producer use only. Not for use with the general public. 8537-03-08
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Transcript of Individual Disability Insurance from Guardian Everything you need to care for your client Disability...
Individual Disability Insurance from Guardian
Everything you need to care for your client
Disability income insurance underwritten and issued byBerkshire Life Insurance Company of America, Pittsfield, MA a wholly owned stock subsidiary of
The Guardian Life Insurance Company of America, New York, NY or in California, provided by Guardian
For producer use only. Not for use with the general public.
8537-03-08
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ProVider Plus
Comprehensive personal income protection
Professionals, business owners& executives
Which DI policy is thebest for your clients?
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ProVider Plus
Non-cancellable & guaranteed renewable
True own occupation Specialty language for
physicians & dentists
Residual disability benefits At least a 15% income loss No specific loss of time or
duties Loss of income benefit for
first 12 months Recovery benefit for up to
the entire benefit period
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ProVider Plus
Built-in client safeguards…
Waiver of premium
Waiver of elimination period
Presumptive disability
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ProVider Plus
Value and flexibility…
Competitive premiums
No service fee on Guard-O-Matic monthly premium payments
Level, graded & step-rate premium options
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ProVider Plus
Options for personalized coverage…
Graded Lifetime Indemnity for Total Disability Benefit Rider
Cost of Living Adjustment RidersFixed 3%6% MaximumFour-year Delayed 3% Fixed
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ProVider Plus
Options for personalized coverage…
Catastrophic Disability Benefit
Future Increase Option
Automatic Benefit Enhancement Rider
Unemployment Waiver of Premium Option Rider
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ProVider Plus: Special Programs
Retirement Protection Plus Protection for retirement contributionsAvailable as a rider or stand-alone policy
Employer-sponsored programsQualified Sick Pay PlanExecutive Bonus PlanVoluntary Income Protection
Special limits for young professionalsSpecial issue limits for eligible occupations, with
no financial underwriting
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ProVider Plus: Special Programs
Association discount programProfessional & executive associations Ideal target marketing opportunity
Group conversion programMedical residents, dental & veterinary studentsCombination of Guardian group LTD with
conversion feature to ProVider Plus
Home-based business ownersSpecial underwriting criteria allow coverage
to be issued
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Small Business Protection
Overhead ExpenseReimburses monthly expenses to keep the
business healthy
BusinessReducing TermUnique product that
covers fixed obligations
Disability Buy-OutFunding for buy-sell
agreements
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Guaranteed Standard Issue DI
Employer-sponsored groups Voluntary or employer-paid Supplement group LTD plansCase level underwriting
Income ProVider policy Industry’s widest array of product design options
Flexible case design options & seamless administration
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Individual Disability Insurance from Guardian
Everything you need to care for your client
