The Guardian Life Insurance Company of America
offers high-quality income protection and excellent service to its'
policyholders. Our premium rates for attorneys are also very
competitive.
The Guardian plan for Colorado Bar
Association members offers one of the only true "Own Occupation"
definitions of total disability in the contract. This is the heart of your
plan. This contract feature protects not only a loss of income, but
specifically your ability to work as an attorney. In other words, if you become
totally disabled as an attorney, you will receive your monthly indemnity from your
policy,
even if you decide to work in another occupation after you're disabled.
Our disability (form 1400*) plans also offer the following exceptional
optional plan features: (not all features are available at all ages
and all benefits are subject to underwriting).
 | Future Increase Option: This allows you to increase your monthly
income benefits every year on your policy anniversary without
further medical underwriting (through age 55). You only have to prove financially
that you qualify for the increased benefit. |
| Cost of Living Adjustment: Increases your monthly income benefit at
claim time by up to 3% or 6% compounded annually (your option). This feature
can help protect your income
benefits from the ravages of inflation over time. The increase is applied to total
and/or partial monthly benefits. This feature does not
necessarily fully protect you from the increase in the cost of living. |
| Lifetime benefits: Depending on the age you are if you become disabled,
you can receive all or a portion of your benefit for life. Ours is one
of the very few companies that make this option available. This is a
valuable feature of our plans. After all, most people still need income beyond
age 65. Ask your representative for age
limitations. |
| Catastrophic benefits. Offers you the opportunity to replace
up to 100% of your pre-disability earnings if you suffer a disability that
causes a functional or irrecoverable disability, cognitive impairment or the
loss of two or more Activities of Daily Living. Please ask Dave Richards
for complete details. |
Other benefits are available: ask your representative for more information on
limitations and availability.
| Be sure to call Dave Richards today for information and a
detailed proposal. Remember, you can also request information online
through our Information Request page. |
* Disability Insurance 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, New York, NY.
|
