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Mutual vs. Stock Companies

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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