When choosing a DI carrier, it is important to consider the differences of a publicly traded stock company and that of a mutual company. It comes down to who is considered first. The primary purpose of a publicly traded stock company is to make a quarterly profit for the investors. The policyholders are merely customers. With a mutual company the policy owners ARE the owners of the company. A mutual company's primary priority is to serve the policyholders. A mutual company can more easily manage long term promises since short term thinking of investors is not a concern for management.
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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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