Guardian is a Fortune 250 company and a leading provider of disability insurance. 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:
Financial Representatives of the Guardian Life Insurance Company of America (Guardian), New York, New York. Financial Growth Partners is a wholly owned subsidiary of Guardian. The Guardian® Logo is a service mark of Guardian, used with permission. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. This website contains the opinions of the author but not necessarily those of The Guardian Life Insurance Company (Guardian), New York, NY or its subsidiaries and such opinions are subject to change without notice. Important Disclosures: www.guardianlife.com/disclosures Terms and Conditions Privacy Policy
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.
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