Disability Product List

Click on the name of a product to see more information.

Personal Non-Cancelable - ProVider Choice

Provider Choice offers unsurpassed flexibility and options to help you meet the unqiue coverage needs of your clients. Provider Choice highlights include: multiple definitions of total disability with a new  true own occupation defintion just for the medical market, new  Hospice Care benefit, new  Serious Illness Benefit, new  Catastrophic Disability rider, new  discounts, and more!
Some features vary by state and are not available in all states.

Overhead Expense

This policy reimburses overhead expenses during a disability. A Residual Disability provision and Accelerated Benefit are just two of the many built-in benefits of this policy. The Maximum issue amount is up to $50,000 a month.


Disability Buy-Out

This policy helps your client buy out the interest of a disabled partner or co-shareholder. The maximum issue amount is $2 million, depending on the case facts and the funding method. There are three funding methods; Lump Sum, Monthly Payout and Downpayment.


Retirement Protection Plus Program

This program involving an individual DI policy helps to protect the retirement contributions of your clients in the event of total disability. Coverage is available in addition to current Issue & Participation limits - even for physicians and dentists.


Guaranteed Standard Issue Multi-Life Program

Our Guaranteed Standard Issue (GSI) multi-life DI program gives you the opportunity to write multiple lives with one sale. It's an excellent way to leverage your sales efforts by focusing on fewer cases offering higher returns. What's more, each sale provides a new base of customers receptive to innovative financial solutions that you can target for other services and programs that you offer.


Pay Guard

A Personal Reducing Term disability income insurance policy that provides basic coverage for basic needs. Because it is a reducing term policy, the period of coverage reduces each year until the termination date or until age 60 whichever comes first. This is total only disability policy, which means that "because of sickness or injury, the insured is unable to perform all of the substantial and material duties of his or her occupation or profession; and is not actually at work in any occupation or profession."


Disability income products 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.