Business Disability Insurance Products

Help small Business owners shield themselves from Disability’s choppy Waters

Practice and small business owners are heavily invested, both financially and emotionally, in the enterprise they worked so hard to create. They face unique challenges when it comes to safeguarding that business in the event that one of the co-owners became too sick or injured to work. Preserving the continuity of the business and retaining customers is important whether they eventually return to work or decide to sell the business. 


To explore the various options please click below.

Disability Buy Out
Business Overhead Expense
Multi-Life/Guaranteed Issue
Retirement Protection Plus
 

Downloads

How To Choose a Disability Insurance Company
GUIDE
The Guardian Life Insurance Company of America (Guardian) is one of the largest mutual life insurance companies in the United States, providing high-quality, affordable insurance and financial products. Guardian owns several independent subsidiaries, including Berkshire Life Insurance Company of America (Berkshire Life) — the nation’s number-one provider of non-cancellable individual disability income insurance1. Each subsidiary is a financially strong organization that functions as a separate, independent entity, with a conservative management style that benefits Guardian. Our high-quality products are backed by the assets of the issuing subsidiary.
Individual Disability Income Insurance - Product Overview
GUIDE
Brochure that outlines Personal Income Protection and Business Protection product lines, features, special programs and discount programs.
Simplified Business Owner Advantages Flyer
GUIDE
Broker Use Only: Whether you’re working with new or established business owners, we are the clear choice for individual disability income protection.
Quick Reference: Group LTC Conversion Flyer
GUIDE
Broker Use Only: The Group LTD Conversion Program provides the opportunity for individuals covered under a Guardian Group LTD Program as students, residents or fellows to convert their coverage to ProVider Plus individual disability income insurance at the end of their program.
Quick Facts: Discount DI for Key Employees Flyer
GUIDE
Broker Use Only: In this program, a business deducts premiums from select employees’ salary to pay premiums for IDI coverage, providing the business with a tax deduction. The business then pays a bonus to the employee to cover the deducted amount.
Quick Facts: Qualified Sick Pay Program
GUIDE
Broker Use Only: A qualified sick pay plan is a formal agreement that provides the legal basis for a business to continue tax-deductible salary payments during a period of disability. Once a QSPP plan is set up and communicated to employees, the business is obligated to pay the benefits.
Producer Guide to DI Protection for Business Owners
GUIDE
This Producer Guide contains the same content as the client-facing version of the Keep Your Business Sailing Smoothly brochure. However, we’ve added the listing of tools on this page to the Producer Guide to augment your sales efforts with the products and programs discussed throughout this brochure.
Quick Facts: Discounted DI for Professional Group Flyer
GUIDE
Broker Use Only: This program provides groups of employees with individual disability income protection at a discounted rate. No employer sponsorship is required.
Exceptional Breadth of DI Business Products Flyer
BROKERAGE USE
Help small Business owners shield themselves from Disability’s choppy Waters Practice and small business owners are heavily invested, both financially and emotionally, in the enterprise they worked so hard to create. They face unique challenges when it comes to safeguarding that business in the event that one of the co-owners became too sick or injured to work. Preserving the continuity of the business and retaining customers is important whether they eventually return to work or decide to sell the business.
Income Protection Programs For Small Business
BROKERAGE USE
Brokerage Use Only: Great piece laying out how to utilize individual disability coverage in many small business applications.
DI Specifically for Business loans
BROKERAGE USE
Got Clients with Business Loans? Small business and practice owners often need to undertake sizeable financial obligations to grow their business or to acquire one. But how would that debt be repaid in the event your client became disabled?
DI For Owners, Employees and Businesses Worksheet
BROKERAGE USE
This worksheet is designed to help you understand how the business is structured, to determine the business owner’s objectives, and to find out about coverage that may already be in place so you can recommend the appropriate coverage.
Supplemental Income Protection Program Flyer
BROKERAGE USE
Keeping Income Strong This powerful program enhances Group LTD benefits with supplemental individual disability insurance (IDI). Group LTD is a terrific start to protecting income, however, it may not be enough:
Retirement Protection Plus Program - Tri-Fold Brochure
PUBLIC USE
RPP is designed to help you maintain a healthy retirement strategy by replacing contributions made to a defined contribution plan during a disability. Once eligible for benefits, a monthly benefit insuring up to 100% of your retirement contributions, including any employer-matching contributions, will be paid into a trust established by you. The trustee invests benefits at your direction.
DI For Business, Owners and Employees Guide
PUBLIC USE
A 20 page Brochure for Client meetings. Filled with concepts, product explanations, statistics and even worksheets to work through.
Income Protection Worksheet
PUBLIC USE
This worksheet was designed to help you clarify what income protection you have in place and what income may still be exposed to risk in the event you become too sick or injured to work.
Chart the Course for Your Business
PUBLIC USE
Brochure on Disability Buy Out
Help Your Business Stay The Course - Brochure
PUBLIC USE
Got business loans or debt? Taking on debt or committing to a financial agreement is a necessary part of building a successful business or practice. Perhaps you took out a loan to purchase or expand your business. Maybe you borrowed to buy new equipment, property or office space. Or perhaps you offered a guaranteed salary contract to a key employee. But how would you satisfy that obligation if you were to become disabled?
DI Overhead Expense Flyer
PUBLIC USE
If you became too sick or injured to work, you could be unable to provide the essential services your customers expect, and you may not be able to provide the leadership that your employees need. Your revenue would likely decline — But your ongoing business expenses would continue.
DI Executive Bonus Plan Flyer
PUBLIC USE
Reward Key employees with Disability Protection Attracting and retaining outstanding talent is extremely important to the success of your business or practice. Rewarding key employees with robust benefits can be an important element in differentiating yours from other firms.
DI Qualified Sick Pay Program Flyer
PUBLIC USE
Benefits for you and your employees. Did you know that if you or a key employee in your business becomes too sick or injured to work, the firm cannot continue to pay wages and deduct those payments as a business expense unless a qualified sick pay plan is in place prior to the disability? Many business owners are unaware of this prohibition in the Internal Revenue Code.
Voluntary Income Protection Program Flyer
PUBLIC USE
Industry-Leading Disability Income Protection for you at a Discount When you purchase a home or car, you wouldn’t dream of not insuring it, right? But are you insuring your income, the asset that is even more valuable than your home or auto? Your income is what makes it possible for you to make your mortgage or rent payments, buy groceries, pay utilities and credit card bills, make loan payments, and so forth.
DI Student and Resident Discount Program Flyer
PUBLIC USE
Industry-Leading Disability Income Protection for Students and Residents at a Discount Looking for a cost-effective way to help the students and residents in your program protect their future earnings? With our Student and Resident Discount Program, you can provide access to industry-leading disability income coverage at a discount.
Disability Insurance to Fund a Buy-Sell Agreement
PUBLIC USE
Few business partners have a plan in place to help protect their business in the event of a prolonged or permanent disability of a partner. And few business owners realize that such an illness or accident befalling a partner could have devastating effects on their business.

 

Catagory Key:

 
Guide = A piece that usually is meant for Producer or Broker Use only.  These pieces are more in depth about the particular product or strategy. 
Broker Use Only = All pieces that are not to be used with the general public.  These are pieces on sales strategies, product lines, riders etc... 
Client/Prospect Use Only = All pieces that you can use to either market to clients, support pieces when speaking about a product, rider or strategy based.
 

To reach out to a product specialist click here.