for virginia residents: this is an excepted benefits policy. it provides coverage only for the limited benefits or services specified in the policy.

1 The estimated monthly cost reflects the monthly benefit amount shown and policy features you chose. Premium is based on a level premium structure (fixed premium that never increases) with a true own-occupation definition of total disability.

Individual disability insurance policy Forms 18ID and 18UD underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.

Policies issued to anesthesiologists/anesthetists, emergency room physicians, dentists (general) and pain management physicians, as well as all policies issued in California, will have a mandatory Mental and/or Substance- Related Disorder (MSRD) limitation. For increase options exercised from such policies, the MSRD limitation will also be included. However, a policy may have been issued without the MSRD limitation; in that event, a new policy issued as a result of an increase option exercise is not required to have the MSRD limitation. Discounts are applied when there is an MSRD limitation.

While the information provided here may help inform your decision, we strongly encourage you to discuss your particular insurance needs with your broker or agent to ensure that you consider the optimal coverage for your circumstances. This is not a contract or an offer of coverage. This is a quote based on personal information that you’ve provided and describes certain features of a standard policy, which may vary by state. If a policy is issued, its provisions and pricing may differ from this proposal.