Disclaimer

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. Products are not available in all states. Product provisions and features may vary by state.

This web site is provided as a courtesy and for general information purposes and does not modify the provisions of any policy. The material contained on this website is offered for the purpose of education and information only and is not a substitute for obtaining advice from a legal, tax or other qualified adviser.

This web site provides links to other web sites for your convenience and informational purposes only. We make no representations as to the accuracy or completeness of the information contained in the linked sites. We do not monitor or endorse these other web sites and assume no liability for the content presented on linked sites.

You agree and understand that we may contact you via phone or email to follow up regarding your request for disability or life insurance in order to verify information for the purpose of giving you the most accurate quote possible.

By filling out our quote request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by the website owners and its affiliate partners (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal "do not contact" list.

Roy Rasera, ChFC, RFP is licensed to sell life & health insurance in many states of The United States: Arizona, California (Insurance License #0F17881), Kansas, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Jersey (#1127731), New York, Oregon, Washington. If Roy Rasera, ChFC, RFP is not licensed in your state, the Protection Professional assigned to your case will be.

Roy Rasera, ChFC, RFP is a Registered Representative and Investment Advisor Representative of Park Avenues Securities LLC (PAS) 5100 SW Macadam Ave #180, Portland, OR 97239. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 503-221-1226. Finanical Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Roy Rasera, ChFC, RFP, Wealth Strategies Northwest, DI Professionals, and related entities are not affiliates or subsidiaries of PAS.

PAS is a member FINRA/SIPC.

Roy Rasera, ChFC, RFP is securities licensed in Oregon & Washington, and securities-related material is strictly intended for the individuals residing in those states. No securities offers may be made or accepted from any resident outside these specific states.

The Information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the soliciation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.