ProVider Plus Retirement Protection Plus Home-Based Business Owner Agent Locator

"From day one, when it was necessary to contact your company about my inability to work, I have been treated fairly, professionally, compassionately and expeditiously...

Your company has always been there for me and I am forever grateful."

Personal DI Customer

Features:	1	2
Working another job
High benefits
Partial disability
Lifetime graded benefits
Non-cancellable

	Berkshire Life
	Leading Competitor

Home

Personal DI

Personal Disability Insurance

Could you afford to live without your income?

Do you have life insurance? If so, you’ve already faced the possibility that your family would need financial protection in the event of your death. But what’s far more likely is that you’ll need the financial protection Disability Income (DI) insurance provides at some point during your working years.

ProVider Plus

With Berkshire Life Insurance Company of America you get the highest quality DI around, ProVider Plus*, with these hard-to-find features...

Retirement
Protection Plus

You know the importance of planning ahead; that is why you’ve worked hard to set aside money for your retirement...

The Home-Based
Business Owner

You’re the boss – and the receptionist, the CFO and the head of maintenance, too. So who pays the bills if you can’t?

Disability – a possibility you need to consider

You probably take plenty of precautions in your daily life… you wear your seatbelt, you childproof your home, you have a working smoke detector.

Still, no matter how prepared you are, accidents do happen. And disability can be the outcome. A sports injury, a car accident, an illness, a problem pregnancy, a heart attack, a serious back injury — any of these situations can result in your not being able to work at your usual job. That, in turn, means a loss of income, even if you have a relatively sedentary job.

According to a recent study, most people estimate they have only a 16% chance of becoming disabled during their working years¹ in spite of the following startling facts²:

If you're under age 35, chances are one in three that you will be disabled for at least six months during the course of your career.
Men have a 43% chance of becoming seriously disabled during their working years.
Women have a 54% chance.
At age 42, it is four times more likely that you will become seriously disabled than that you will die during your working years.

Counting on your group DI? Take a closer look.

Your employer– or association-sponsored group plan may not be all you think it is. It might, for example, insure you only if you are totally disabled, even though a partial disability could mean you were reduced to earning part-time income.

Plus, one overwhelming advantage of personal DI insurance is that it cannot be reduced or terminated if you leave your current employer. You pay the premiums, you own the policy, and the benefits are paid directly to you.

Contact us now for more information.

* Disability Insurance Policy forms 1400, 1500 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. Policy forms NC111 and NC112 in California, provided by Guardian. Products not available in all states. Product provisions and features may vary by state.

TO TOP

¹Gallup survey conducted for UNUM Corp, reported by Best's Review
²"Why Disability", published by National Underwriter

Your Name:

Current Email Address:

City:

ZIP Code:	State:

Question or Comment:

submit

Need a Quote?

Special Info

An industry expert in disability income insurance, Berkshire Life specializes in products and services that provide superior income protection for highly skilled professionals and business owners.

Berkshire Life offers hard-to-find features to meet the needs of professionals who have invested heavily in their training.