Guardian is one of the most respected and highly rated life insurance carriers. In addition, Guardian owns several independent subsidiaries, including Berkshire Life Insurance Company of America, who is a highly respected Individual Disability Carrier of individual Non Cancellable & Guaranteed Renewable coverage.
Financial strength in many ways is just as important as policy language since a policy is little more than a promise to pay. If down the road a carrier can't keep that promise, that promise is of little value.
In the 1980's many carriers who sold disability coverage are either bankrupt, bought out, or withdrew from the individual disability insurance market. Below is more information on how to choose the right disability carrier as well as ratings:
