Individual disability insurance Policy Form 18GI underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, Massachusetts. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, New York. Product provisions and availability may vary by state. In New York: This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio is 60 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy form.

Optional riders are available for an additional premium.