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Start-Up Savvy Program




Owners of brand-new businesses are often challenged to provide the type of financial documentation typically required by individual disability income carriers, because their businesses have not been up and running long enough to generate the necessary tax returns.

However, if you are taking an entrepreneurial leap in opening up a business in the same field where you have established a career, we may be able to offer you important disability income protection coverage right off the bat. 

For those that qualify, we take a portion of past income and put that income into the benefits calculator and offer those reduced benefits to start-ups.  If the Future Increase Option rider or the Benefit Purchase Rider is available, you will be given the option to increase benefits at a later date when financials become available.

Additionally a new business owner of an insurable occupation can qualify for up to $20,000 a month of Overhead Expense (OE) base coverage with up to $10,000 of the Future Increase Option (FIO).


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Financial Representatives of the Guardian Life Insurance Company of America (Guardian), New York, New York.  First Financial Group is authorized to offer products of The Guardian Life Insurance Company of America (Guardian), New York, NY and its subsidiaries, and is not an affiliate or a subsidiary of Guardian. The GUARDIAN® Logo is a service mark of Guardian, used with permission. Important Disclosures:  www.guardianlife.com/disclosures  

2018-70474 Exp 01/2020