Financial Professional Use Only. Not For Use with the General Public.
Ashford Advisors is an Agency of The Guardian Life Insurance Company of America (Guardian), New York, NY.
Securities products and services and advisory services offered through Park Avenue Securities, LLC (PAS), member FINRA
. OSJ: 900 Ashwood Parkway, Suite 400, Atlanta GA 30338, (770) 390-2600. PAS is an indirect, wholly-owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian. Guardian does not offer Property and Casualty insurance products or services.
Individual disability insurance policy Forms 18ID, 18UD, 18GI, 1400, 1500, and 1600 underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. In New York: These policies provide disability insurance only. They do not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. For policy forms 18ID, 1400, 1500, and 1600 the expected benefit ratio is 50%. For policy forms 18UD, 18GI, 18UD-F, and 18GI-F, the expected benefit ratio is 60%. The expected benefit ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with these policy forms.
This Material is Intended For General Public Use. By providing this material, Guardian is not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation.