Disability Services
What's New
- *** Disability Product Changes - Full Details ***
- New Issue and Participation Table
- Inflation Impact on Care Event Costs
- Berkshire Long Term Care (Choice Provider) New Jersey Specimen Contract
- Guardian's 2010 Dividend
Learn about Guardian's 2010 dividend and Financial ratings - The Whole Story of Whole Life
A guide to the benefits and reasons why you should be presenting Whole Life to your … - Guardian Retention and Reinsurance Limits
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Business Reducing Term
If you own a business or practice, it's a pretty good bet that you own the debt that goes with it. And if you become disabled and can't work, you can't generate an income to pay your bills-personal or professional. That's why we developed Business Reducing Term Disability Income Insurance*. We wanted to help business owners protect their companies, their personal wealth and even their credit rating. Berkshire is the only domestic disability insurance carrier that offers this type of coverage.
Consider this:
If you have financial obligations that require payments with specific durations, you may be eligible for-and should seriously consider-Business Reducing Term coverage.
- Have you borrowed money to buy your business or practice, expand it or improve it?
- Do you offer guaranteed employment contracts to any of your employees?
- Are there purchase agreements on the books?
If you can answer "yes" to any of these questions, you owe it to yourself and your business to learn more about Business Reducing Term.
* Policy Form AH55-A provided by The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary by state.
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