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Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. Optional riders are available for an additional premium.

Guardian’s Group Disability Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Generic Policy Form #s GP-1-STD-15; GP-1-LTD-15. The state approved form is the governing document. For NY, the Policy Form # is GP-1-DI-12R-NY.

For Guardian’s Group Disability Insurance, this advertising content is not currently intended for anyone in the state of New Mexico.

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*Ratings are as of 2022 and are subject to change.

1Disability Statistics; Chance of Becoming Disabled - DisabilityCanHappen.org

2https://www.investopedia.com/best-disability-insurance-5071119

3https://www.guardianlife.com/financial-highlights

4Council for Disability Awareness, Chances of Disability, 2021

5Ibid.