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 the DBA name of IA PA, LLC 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
Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 11350 McCormick Road, Executive Plaza III, Suite 202, Hunt Valley, MD 21031, (667) 318-0801. Securities products and advisory services offered through PAS, member FINRA, SIPC. PAS is a wholly owned subsidiary of Guardian Life Insurance Company of America® (Guardian), New York, NY. Financial Growth Partners is the DBA name of IA PA, LLC a wholly owned subsidiary of Guardian. 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.
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