Disability Insurance Products

Who needs income protection?
We all do! Income is the foundation of the lives we create. And the reality is, we're vulnerable. Whether your clients are looking for individual income or business protection, Northeast Brokerage can help you identify where the opportunity is.


Two of the biggest myths about disability are that it doesn't happen to younger people and that it's largely the result of work-related accidents. In fact:

 
  • Just over 1 in 4 of today's 20-year-olds will experience a period of disability before they retire. Social Security Administration, Fact Sheet June 2016
  • 90% of all disabilities are caused by illness, while only 10% are the result of accidents. Council for Disability Awareness, Long-Term Disability Claims Review, 2014
  • Close to 95% of all disabling accidents and illnesses are not work-related. Council for Disability Awareness, Long-Term Disability Claims Review, 2014
 

We hope you use the below library of Brokerage pieces to help understand the various product lines ans strength of carrier.   Please also refer to our Client/Prospecting area for great pieces to use out in the field.  

Go to Business Disability Insurance Product Offering
Go to Individual Disability Insurance Product Offering
 


Downloads


 

Financial Strength of Guardian Individual Disability Income Insurance
GUIDE
Flyer that explains Guardian and Berkshire the company behind the products. Financial Strength, Comdex Rating, and Commitment to Mutuality.
Our Value... Your Success
GUIDE
Innovation. Affordability. Proven Expertise. When it comes to meeting the needs of an ever-changing marketplace and providing clients with industry leading disability coverage, producers who work with us do so for a good reason.
Producer Guide to DI Protection for Business Owners
GUIDE
This Producer Guide contains the same content as the client-facing version of the Keep Your Business Sailing Smoothly brochure. However, we’ve added the listing of tools on this page to the Producer Guide to augment your sales efforts with the products and programs discussed throughout this brochure.
Smart Protection: To Ensure Your Plans Continue
GUIDE
Client Facing Brochure: Guardian is the only individual disability income carrier to offer Student Loan protection.
Quick Facts: Discounted DI for Students and Residents
GUIDE
Broker Use Only: This program provides individual disability income protection at a discounted rate for students and residents at approved institutions.
Quick Reference: Group LTD Conversion Flyer
GUIDE
Broker Use Only: The Group LTD Conversion Program provides the opportunity for individuals covered under a Guardian Group LTD Program as students, residents or fellows to convert their coverage to ProVider Plus individual disability income insurance at the end of their program.
Exceptional Breadth of DI Products
GUIDE
Broker Use Only Flyer: Succeed in More Sales Situations Leverage our ProVider Plus portfolio of individual disability income (DI) products to help your clients get the protection they need in the event of disability. With one of the broadest product portfolios in the industry, you’re sure to find just what you need to tailor coverage to each client’s unique circumstances.
Income Protection Programs for Small Businesses
GUIDE
Brokerage Use Only: Great piece laying out how to utilize individual disability coverage in many small business applications.
DI for Business, Owners, and Employees Guide
GUIDE
A 20 page Brochure for Client meetings. Filled with concepts, product explanations, statistics and even worksheets to work through.
Income Protection Worksheet
GUIDE
This worksheet was designed to help you clarify what income protection you have in place and what income may still be exposed to risk in the event you become too sick or injured to work.
Short Course in Individual Disability Insurance
GUIDE
Providing Guidance... This guide will provide answers to some of your questions: Am I really vulnerable, how can it affect me, how can I protect my personal income, how can I protect my retirement contributions, how can I protect my business?
Disability Insurance to Fund a Buy-Sell Agreement
GUIDE
Few business partners have a plan in place to help protect their business in the event of a prolonged or permanent disability of a partner. And few business owners realize that such an illness or accident befalling a partner could have devastating effects on their business.



Catagory Key:

 
Guide = A piece that usually is meant for Producer or Broker Use only.  These pieces are more in depth about the particular product or strategy. 
Broker Use Only = All pieces that are not to be used with the general public.  These are pieces on sales strategies, product lines, riders etc... 
Client/Prospect Use Only = All pieces that you can use to either market to clients, support pieces when speaking about a product, rider or strategy based.


To reach out to a product specialist please click here for a listing of contacts.