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