Our Primary InsurerWe have selected Berkshire Life Insurance Company of America ("Berkshire") as our primary provider for Long Term Disability Income Protection due to the strength and customization of their contracts (true Own Occupation definition, Guaranteed Renewable, Non Cancelable, Residual Benefits, Future Increase Options, optional Lifetime Benefits, Automatic Benefit Enhancement, COLA, Catastrophic Benefits, integration with Group LTD Coverage, etc), the company's financial strength, endorsements by numerous medical and professional associations (and employer groups), multiple discount options, disability contracts for retirement plans, disability buy-out policies for buy-sell agreements, reducing term and loan collateralization policies as are sometimes required to obtain commercial funding for small business or medical practices, business overhead expense disability policies - and much more. Whatever your need, our Specialists can craft customized Disability Insurance solutions for you. In the unlikely event that Berkshire is not a good fit for your needs or profession, we will explore other carriers. Disability income products underwritten and issued by Berkshire Life Insurance Company of America ("Berkshire"), Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America ("Guardian"), New York, NY, or provided by Guardian. |
