Your Income Makes the Life You Enjoy Possible

What happens if you’re unable to work due to a disabling injury or a prolonged illness?
How long do you think you could maintain your current lifestyle without earning an income?

Disability income insurance replaces your income — and helps you maintain financial health.

Disability income should be a part of your financial plan, without it how do you expect to pay for your
necessities of life, mortgage, car payment, your retirement plan, the list goes on and on.

But how do you know what coverage to have in your disability plan?

One definite is – True Own Occupation.

The Definition of Total Disability is the core of any disability income policy because it is the key to determining your eligibility for benefits.

A True Own-Occupation Definition of Total Disability provides you the ability to receive your full disability benefits, even if you’re gainfully employed have the energy, interest and motivation to pursue another occupation while totally disabled in your occupation, a True Own-Occupation definition does not prevent you from doing so.

If you are a dentist or physician who has limited your occupation to the performance of a single dental or medical specialty, a true own-occupation policy will consider that specialty to be your occupation.

For more information on Disability Income Click Here for the Guardian Intelligent Choice brochure.

If you are a Physician, you have many different situations and problem areas you need to address.
Click Here for the Guardians Just for Doctors brochure.

Did you know you can have your retirement plan contribution paid for if you become disabled?

And that would include your employer’s contribution! Think about it, you aren’t collecting a paycheck, so there’s nothing being contributed to your retirement. This plan would pay for:

  • 401(k), 403(b), and 457 plans
  • Traditional IRAs, Roth IRAs and Keogh plans
  • Employee stock ownership plans (ESOPs), and
  • Profit sharing plans

For more information Click Here for Guardians Retirement Protection Plus Program brochure

Do you have a Student Loan?

It makes sense that most of us take the time to protect our cars, our home, even our lives — and often, we protect what matters most through the purchase of insurance.

Disability income insurance protects your income by helping replace income lost during a period of time when you’re too sick or injured to work. But as a professional, you don’t need to protect your income alone. You also need to protect the debts you’ve incurred.


Without a paycheck, how long could you continue your student loan payments, let alone pay routine monthly expenses, such as rent or mortgage, utilities, food, etc.? Having sizable student loan payments — on top of your other expenses — would make your already difficult spending choices even more formidable.

Now, you can protect more than your income. You can also protect your ability to meet your student loan
obligations in the event of total disability, with optional Student Loan Protection.

When added to your disability insurance (DI) policy, Student Loan Protection lets you:

  • Obtain additional coverage — up to $2,500 per month, depending on degree — above what you might otherwise qualify for based on your income. That’s money that’s earmarked just to repay your student loan(s).
  • Tailor coverage to your specific debt: Reimburses up to $2,500 per month toward student loan payments.
  • Choose a term of 10 or 15 years.
  • Protect your repayment ability at an affordable price — as little as $5 per month.

For more information Click Here for Guardians Student Loan Protection Plan brochure

We also have disability plans for businesses and owners of businesses, please Click Here and one of our representatives will contact you to see how we can help you.

If we can help you or answer any questions you may have on disability, own occupation, having your retirement plan and student loan paid if you become disabled please Click Here and one of our representatives will contact you.