disability insurance

Our mission is to help you get sound advice on disability insurance (individual policies are sometimes referred to as disability income insurance), how to choose a well designed disability income insurance policy tailored to your specific situation and budget and to make buying disability insurance easy and convenient for you.

We specialize in offering disability insurance to the professional and executive marketplace. This includes, but is not limited to, attorneys, physicians, surgeons, veterinarians, nurses, dentists, accountants and CPAs, managers, sales professionals, architects, actuaries, executives, engineers, pharmacists, business owners, executives and teachers who are not government employees.

Every effort is taken to make the purchase of disability insurance easy for you. We can handle everything for you from providing disability insurance quotes, sending you the application or completing it for you by phone (disability insurance applications by phone are always faxed or mailed to you first for your review and signature) counsel you on the best designed disability insurance plan to meet your needs and keep you informed throughout the underwriting process. We can help you identify possible weaknesses in your group short term disability insurance and long term disability insurance. We strive to get you the best possible classification and rates.

While we have the ability to offer disability insurance from a number of companies, our product of choice in most cases is the ProVider Plus disability income insurance (DI) policy series issued by Berkshire Life Insurance Company of America, a wholly-owned stock subsidiary of The Guardian Life Insurance Company of America. ProVider Plus has, in our opinion, the best and most comprehensive definitions and features in the individual disability insurance marketplace today. Throughout our website you will see many examples of why this product offers greater protection than other disability insurance plans currently available.

Our Services Include:

1. Consultations with disability insurance professionals at no cost nor obligation
2. Professional assistance in finding the most suitable and competitive disability insurance policy given your financial situation, health history, occupation, etc.
3. Sending you competitive disability insurance quotes. We can assist you in finding the best possible protection by providing you with a number of different disability insurance quotes
4. "Open Architecture" with respect to the disability insurance application process
5. Offering in-depth information on some key features and riders of certain disability insurance policies
6. Help identify possible weaknesses in your short term disability insurance and long term disability insurance
7. Providing general and specific information on disability insurance and helping describe the dramatic differences between individual policies as compared to short term disability insurance and long term disability insurance frequently offered by employers
8. Creating disability insurance "wrap around programs" to complement short term disability insurance and group long term disability insurance plans as well as mechanisms to help protect against the loss of short term disability insurance and long term disability insurance in the event the employer stops offering these plans or you leave the company

We do not sell inquiries or quote requests. All contacts and services regarding your purchase of disability insurance are provided by us. Your information is kept strictly confidential. Please read our Disclaimer

Policy Forms 0100, 1100 and 2100 are 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. Policy Forms NC111 and NC112 in CA are provided by Guardian. Product provisions and features may vary by state.