Disability Insurance Product List

Click on the name of a product to see more information.

Individual Disability Income Insurance
(ProVider Plus)

A Non-Cancellable policy with a true "own-occupation" definition of total disability to age 65 for occupational classes 6, 6M, 5, 5M, 4, 4M, 4 and 3M. It offers competitive rates for many of the top occupational classes, and a variety of excellent riders (Residual, COLA, Future Increase Option, Catastrophic Disability, Automatic Increases, Lifetime Extension etc.) The maximum issue amount is $15,000 per month, the maximum participation limit with other individual coverage is $20,000 per month and $25,000 per month with group coverage.

Professional Overhead Expense Insurance

This policy pays business or professional overhead expenses for your client. This policy has a built-in residual disability benefit. This is a Non-Cancelable policy. The Maximum issue amount for this policy is $50,000 a month.

Disability Buy-Out Insurance

This policy helps your client buy back the interest of a disabled partner or co-shareholder. The maximum issue amount is $2,000,000. There are 3 funding methods, Lump Sum, Downpayment, and Monthly Payout.

Business Reducing Term Insurance

Specialty policy designed to protect business owners with outstanding loan payments. Guardian will pay a monthly benefit up to the total monthly payment (principle + interest) for the term of the note.

Retirement Protection Plus Program (RPP)

RPP covers the employee and employer contributions to a defined contribution retirement plan during disability. Benefits are paid to a trust during the period of disability, and benefits are invested at the insured's direction until age 65. The RPP benefit limit is in addition to our regular issue and participation limit.

Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian),New York, NY or provided by Guardian.
Product provision and features may vary from state to state.

Opes One Advisors
FOR BROKER USE ONLY. NOT FOR PUBLIC USE.