Individual 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, or provided by Guardian. Product provisions and availability may vary by state. Optional riders are available for an additional premium.
This website is provided for informational purposes only and should not be considered tax or legal advice. Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits. You should consult with your own independent tax and legal advisors regarding your particular set of facts and circumstances. The information provided is not intended or written to be used, and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions.
The chart above provides a general description of different types of disability insurance commonly sold today. The description of these products and features is not specific to products issued or administered by The Guardian Life Insurance of America through its subsidiary Berkshire Life Insurance Company of America. Consult with your insurance advisor concerning the underwriting requirements and product features of any policy you are considering purchasing.