Guardian Disability Insurance Products
Provider Choice
This is Guardian's flagship income protection product.
While Guardian is known to be the number one choice for the medical and dental marketplace, Provider Choice is an excellent choice for other white-collar occupations, including business owners, attorneys, executives, and sales professionals.
PayGuard Plus
This is a total disability only policy designed with a budget in mind.
- Benefits paid for total disability only
- Benefit Period from 5 - 30 years.
- Modified Own-Occupation (True Own-Occ by Rider)
- Waiver of Premium
Business Disability Products
Overhead Expense
When the business owner is also the rain-maker, this product helps ensure there is a business to return to after a sickness or injury. Overhead Expense will cover most deductible overhead expenses, including;
- Rent & Utilities
- Employee Salaries
- Insurance Premiums
- Business Equipment Expenses
Several optional riders allow you to truly fine-tune this product to meet the needs of your client's business. Premiums for this product are also deductible!
Disability Buy-Out
Whether your client is a sole proprietor or a business partner, it's important that they have a business continuation plan in place with the proper means of funding should they suffer a disability.
- Three Business Valuation Options Built into the Policy
- Several Optional Riders Available
- Lump-Sum, Down-Payment, or Monthly Installments Available