[Guardian logo]

Disability Insurance. Why now?

Because you’re not too young to protect your income.

You may be thinking…

[Graphic of a horizontal line with four checkmarks equally spaced along the line, each with one of the following four sentences underneath.]

• I’m young and healthy.
• No way I’d ever be unable to work.
• I have too many expenses already.
• I’ll look into it later.

But the facts are…

[Graphic of human figure from head to shoulders with arm in sling. Surrounding the graphic is a circular boarder filled in 50%.] In your 20s, 50% of disabilities are caused by accidents¹

[Graphic of thermometer. Surrounding the graphic is a circular border filled in 90%.] But overall, 90%

are caused by illnesses and diseases⁴

If a 30-year-old waits 10 years to buy, costs increase by 40%³

[Graphic of a horizontal bar chart with two bars. Upper bar is shorter and labeled, “Cost at age 30.” Lower bar is longer and labeled, “Cost at age 40.”]

[Graphic of four human figures from head to shoulder. Left most figure is bold; the other three figures are faded.] The odds of becoming disabled during your career are 1 in 4²

Why it pays to buy young

[Graphic of an arrow pointing rightward surrounded by a circle.] Coverage stays with you even if you change jobs.

[Graphic of four human figures from head to shoulder.] Groups like students and residents may qualify for a discount.

[Graphic of a shield.] The time and money you’ve invested in your career will be protected.

[Graphic of a lock.] You’ll be locked in at a low rate—costs can’t be increased.

[Graphic of a blue circle labelled, “Young,” followed by a plus sign, followed by a green circle labelled, “Healthy,” followed by an equals sign, followed by a navy circle labelled, “Lower cost.”]

Consider disability income protection today—your future self will thank you.

Individual 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, New York, NY. Product provisions and availability may vary by state.

¹ For 25-year-old males per 1985 CDA table. 1985 CIDA is most current morbidity table for IDI claim incidence adopted by most state insurance departments.

² Social Security Administration Fact Sheet, December 2019.

³ Occ class 4, 90-day elimination period, generic rates for 30 & 40-year-old males and females, to Age 65 benefit.

⁴ Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long-Term Disability

Guardian® is a registered trademark of The Guardian Life Insurance Company of America.

© Copyright 2021 The Guardian Life Insurance Company of America.

PUB4260BL-WEB (02/23)

2022-148061 (Exp. 02/25)