Our Agents

Few people in the financial services industry truly specialize in personal disability insurance. Most of the financial professionals you will meet focus on life insurance and investment products. However, every representative in our firm is a member of Berkshire Life's "DI Inner Circle.” That means that we have sold a lot of individual disability insurance to clients across the United States. Our agents have been referenced in disability insurance articles in The Wall Street Journal, CNN-Money, The New York Times, and Forbes. You can also call us toll-free during the workweek at 888-513-2300 from 9-5 EST.

When considering where to buy disability insurance, we ask our clients a simple question: who do you want to represent you in the underwriting process? Would you prefer somebody you know locally who has only written 5-10 DI policies during their entire career...or us, a group of experienced agents who have obtained thousands of policies for various occupations? We can work directly with the underwriters and have advocated for bringing product enhancement ideas to the executives. Remember, you are buying this policy to protect your income and your family, not to do a favor for your local friend who is an agent. We are the largest brokerage disability insurance agency for Guardian nationwide.

There is another benefit to working with us instead of someone local. The information discovered during the underwriting process is often very personal. You must disclose your annual income when you apply, and your agent will know a decent amount of your medical history by the time the underwriting process is completed. It can be challenging to disclose some of this information to an agent face-to-face, especially if it is somebody you know well. When you work with us over the phone and through email, it's a lot easier because chances are you will never meet us in person.

We Get It Done Quickly

This entire process should take at most 30 days to complete, from when you request a proposal to when you have an in-force policy. We are not going to waste your time. You are here to see if you want to buy disability insurance, and that's all we will try to make happen for you.

Once you have requested a quote, our system automatically assigns you to one of our agents, who will receive your contact information. Please feel free to call them anytime; the earlier that phone call happens, the quicker this process will be.

Once your agent has reviewed the proposal with you over the phone, it is up to you to decide if you want to buy the policy. Once you choose to buy the policy, your agent will complete an application over the phone and send it to you electronically for review and signature. Once you sign the application, we begin the underwriting process by sending your information to the carrier for review. This process typically takes less than 30 days to complete.