Protecting Your Dream
Disability Income Insurance for Entrepreneurs
As a new business owner, you’ve probably been concerned with the numerous issues
related to starting and establishing your business. In the process, you may not have
considered your most important asset. What would happen if you became disabled,
and could no longer run your business and earn an income?
Could It Happen to You?
Illness is responsible for over 92% of all long-term disabilities*—and disabilities may
be permanent. How would your lifestyle be impacted if you could no longer work?
Disability Income Protection is Important Because Your Income is Important
Even though this is a critical time for you to protect your income, many insurance
companies have made it difficult for new business owners to get the coverage they
need by requiring extensive tax and financial documentation—documents most
start-up businesses haven’t yet accumulated. Under our Savvy Underwriting for
Start-Up Business Owners program, we’ve made it easier for you to apply for this
Guardian recognizes that many new business owners have a track record of success
with prior employers. Your prior W-2—and the answers to a few simple questions—are
all you need to apply.
Contact your licensed insurance representative today and protect your lifestyle
and your business dreams from the possibility of the devastating effects of a
*Council for Disability Awareness, 2006.
Michael L. Pitkin
John Driscoll & Company, Inc.
5050 N. 40th Street, Suite 350, Phoenix, AZ 85018
Tel: 602-957-7155 • Fax: 602-956-7711
A general agency of the Guardian Life Insurance Company
of America, New York, NY
The Company reserves the right to request additional financial information based on the information provided by the applicant. This
underwriting approach does not modify underwriting requirements other than those specifically stated herein. State variations and
restrictions may apply. Startup Savvy Underwriting is only available with ProVider Plus policy forms 1400 and 1500. Disability income
products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of
The Guardian Life Insurance Company of America (Guardian), New York, NY, or provided by Guardian.