Life 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
Autobind, Jumbo and retention Limits by product type. - Take Advantage
Up to 2 million of life insurance with no medical testing!!!!! - Take Advantage Approved Carriers
Take Advantage Approved Carrier list - Premium Financing
Premium Financing with Guardian
Disability Insurance Multi-Life
No doubt, it's a dynamic benefits market. Employers are under more pressure to enhance their benefits while controlling their costs. Their employees are more vulnerable to income interruption, but often are not adequately protected. All this creates new opportunities for financial representatives who can offer more innovative, flexible benefits solutions-like our DI@Work™ program. See how this individual disability insurance program for the workplace can help you outpace the competition.
Comprehensive Sales Support
Every step of the way, from pre-sale consultations through ongoing participant servicing, DI@Work™'s dedicated workplace benefits team offers the support you need to maximize the opportunities in today's market.
Flexible Programs
Attractive Product Design
- Guaranteed standard issue (GSI); non-cancellable, guaranteed renewable to age 65 or 67
- No detailed medical or financial underwriting
- Pre-existing condition limitation flexibility
- Coverage for base salary and incentive compensation, particularly important for high paid employees
- Lots of appealing options, including a residual disability and catastrophic disability benefit, COLA rider and own-occupation rider
- Innovative option to cover up to 100% of an employee's retirement plan contributions including any employer match
- Unisex pricing and discounts
Flexible Enrollment Options
- A choice of benefit levels for each employee to meet budget needs
- Online or paper enrollment
- E-billing capabilities
Customized Communications
Truly Turnkey Educational Program
- Entire program customized with vehicles/messaging appropriate for the organization
- Choice of group or individual onsite meeting or focus on direct /Web interactions.
- State-of-the-art branding, program design, eligible groups and individual employees
Competitive Advantages
- Dedicated DI@Work™ team committed to your success
- The program is backed by Berkshire Life, an industry leader and the number one provider of non-cancellable individual disability income insurance
- Easy as a group sale, with generous compensation on each individual policy sold
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