This material on this website is intended for general public use. By providing this content, The Guardian Life Insurance Company of America, and their affiliates and subsidiaries are not undertaking to provide advice or recommendations for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation.
Securities products offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ: 9200 Corporate Blvd, Suite 390 Rockville, MD 20850, 240-683-9700. PAS is a wholly owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. MDGSI is not an affiliate or subsidiary of PAS or Guardian.
Individual disability income products 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. There is no medical underwriting or test for those eligible for the GSI. Some individuals may not be eligible for a GSI.
Optional riders are available for an additional premium. Some policy benefits and features are not available to all occupations.
Future Increase Option (FIO) Conditions and limitations apply. Medical and occupational information is not required when applying to exercise an increase option. Applicants must provide evidence of income, employment, as well as all disability insurance with any insurer that is in force, that has been applied for, or for which the applicant is eligible.
Benefit Purchase Rider Conditions and limitations apply. Medical information is not required when exercising an option for additional coverage. Applicants must provide evidence of income, occupation, and employment, as well as all disability insurance with any insurer that is in force, that has been applied for, or for which the applicant is eligible. Applicants are not eligible for additional coverage while disabled, when benefits are payable, when premiums are being waived, or during a suspension period.
Student Loan and Supplemental Benefit Term Rider The Rider provides coverage for a period of 10 or 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15-year term that has not elapsed when the disability begins.
Cost of Living Adjustment (COLA) This rider provides benefits to help keep pace with inflation but may not cover all increases in the cost of living.
1The ratings of The Guardian Life Insurance Company of America® (Guardian) quoted in this report are as of December 31, 2024 and are subject to change. The ratings earned by Guardian do not apply to the investments issued by The Guardian Insurance & Annuity Company, Inc. (GIAC) or offered through Park Avenue Securities LLC (PAS). Rankings refer to Guardian’s standing within the range of possible ratings offered by each agency.
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