CBADI Home Page

Guardian offers True Own Occupation Coverage and a CBA Member Discount

CBADI Home Page

Thank you for taking the time to visit this site and explore your options for protecting your income and your business with disability insurance.

Disability Insurance planning is one of the cornerstones of financial planning. After all, what's the most valuable asset that you own - Your home, your car, your retirement plan? None of these is the answer. Your ability to work and earn a living in your occupation makes everything else possible in your financial life. Making sure this asset is protected properly is vital.

*The Guardian Life Insurance Company of America, New York, NY is proud to be an approved provider of disability insurance for Colorado Bar Association members.

***Guardian has maintained exemplary ratings from the four major rating services and offers some of the finest disability contracts in the industry for attorneys through its wholly owned stock subsidiary - Berkshire Life Insurance Company of America, Pittsfield, MA.

In today's disability insurance market, vital features like a true "own occupation" definition of total disability, lifetime benefits and excellent future benefit increase options are difficult to find. The Guardian offers these benefits and more. We also offer a special association discount for CBA members that makes this excellent coverage even more affordable.

Hit the links for information on:

	Personal income replacement (form 1400*)
	Overhead expense disability coverage (form 4100*)
	Disability buy-out plans (form 3100*)
	Business loan coverage disability plans (form AH55-A**)

We can help with superior quality coverage at very competitive prices. Hit the appropriate page link to learn about these valuable additions to your personal and business financial plans.

Information Request - fill out the simple electronic form and we'll email a proposal to you right away.

The owner of this site, David Richards, is a Field Representative and Disability Income Specialist, The Guardian Life Insurance Company of America (Guardian), New York, NY. The information on this site is intended for the residents of Colorado. The associates of Wealth Strategies Group, LLC are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact David Richards at (303) 770-9020 ext. 3211.

* Policy forms 1400, 3100 and 4100. Disability Income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY, or provided by Guardian. Product provisions and features may vary from state to state.

** Policy form AH55-A provided by The Guardian Life Insurance Company of America, New York, NY.

*** Financial information concerning The Guardian Life Insurance Company of America as of 12/31/07 on a statutory basis; Admitted Assets = $28.3 Billion; Liabilities = $24.6 Billion (including $20.8 Billion of Reserves) ; Surplus = $3.7 Billion

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