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About is the DI brokerage website of The Central Atlantic Guardian Agency, 4B-First Financial Group (FFG).   FFG was founded in 1977 and in 1983 became an agency of The Guardian Life Insurance Company of America, New York, NY.  We have been a highly respected DI resource for the local community for many years.  Since 1997 we have consistently helped place about a million dollars of DI premium through our network of Guardian agents and brokers. was founded by Vincent L. Gallo in 2006.

This website is dedicated to assisting our Disability Income Specialists: Vincent L. Gallo, & Matt Grace in brokering and educating agents about the importance, variations, and the intricacies of DI policies.  We also pride ourselves in making, selling, and the processing top quality Guardian individual DI products* as easy as possible. This site is designed to benefit producers at all levels of experience. In addition to providing personalized one on one service, we offer this website to our producers to enhance our level of service and our valued relationship with you.

*Disability income products underwritten and issued by the Berkshire Life Insurance Company of America, Pittsfield, MA a wholly-owned subsidiary of The Guardian Life Insurance Company of America, NY, NY.

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Financial Representatives of the Guardian Life Insurance Company of America (Guardian), New York, New York. First Financial Group is an independent agency authorized to offer products of The Guardian Life Insurance Company of America (Guardian), New York, NY and its subsidiaries and is not an affiliate or subsidiary of Guardian. The Guardian® Logo is a service mark of Guardian, used with permission. Important Disclosures:  Terms and Conditions    Privacy Policy

2019-91505 Exp 01/2022