Prepare for the future

With a growing family, we know you have big dreams for today and tomorrow. The right planning can bring you confidence.

Life insurance

Life insurance can help protect your family financially if you were to pass away unexpectedly. Some kinds of life insurance, including whole life insurance, can have additional financial benefits, like building cash value that you can use for things like buying a home or paying for college.1,2

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Disability insurance

For parents trying to prepare their families for anything life might throw their way, disability income insurance can be a helpful tool. It will help replace a percentage of your regular income in the event you become too sick or injured to work.3

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Planning for the future can help you live for today

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Some whole life polices do not have cash values in the first two years of the policy and don’t pay a dividend until the policy’s third year. Talk to your financial professional and refer to your individual whole life policy illustration for more information.


Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.


Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. All applicants must be actively working full time to apply, and women who are currently pregnant will be issued a policy with a pregnancy exclusion. Not all occupations are eligible for coverage, and some policy benefits and features are not available to all occupations.

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