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Business Owner Advantage (BOA) Program

Did you know we offer increased issue limits on Provider Choice individual disability income policies for established non-medical & non-dental business owners?

Under this program the monthly benefit you can purchase is based on a 20% increase of income reported on tax returns.  The increase can be as much as $2000 a month.


Formula: Earned Income x 1.20 = New Insurable Income



Note: those working in real estate or financial services do not qualify for this program.  Medical/Dental and those applying under the EQI (Enhanced Quick Issue) Program also don't apply.

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This website is intended for genereal public use.  By providing this concept, The Guardian Life Insurance Company of America, and their affiliates and subsidiaries are not undertaking to provide advice or reccomentations for any specific individual or situation, or to otherwise act in a fiduciary capacity.  Please contacvt a financial representative for guidance and information that is specific to your individual situation.

Individual disability income products underwrittten and issued by the Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian.  BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY.   Product provisions and availability may vary by state.

2023-157954 Exp 7/26