Individual Disability Insurance Products
Provider Choice
This is the flagship income protection product from Guardian1. There are three options to choose from for your clients;
- Premier
- Select
- Essential
While Guardian1 is known to be a 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 to make sure 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 your client or a partner suffer a disability.
- Three Business Valuation Options Built into the Policy
- Several Optional Riders Available
- Lump-Sum, Down-Payment, or Monthly Installments Available