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1. Individual disability income product is underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. 2. https://disabilitycanhappen.org/disability-statistic/

7183447.1 Exp: 10/30/26