Playing the odds with your future?

Plan for the things you can protect against, like a loss of income due to illness or injury.

[Graphic of a blue arrow pointing down] Don’t get distracted by low odds

[Graphic of a paw print inside a blue circle] mountain lion attack 1 in 1,068,681,429¹

[Graphic of a shark fin peeking out of the water inside a blue circle] shark attack 1 in 3,748,067²

[Graphic of a bolt of lightning inside a blue circle] lightning strike 1 in 700,000³

[Graphic of a blue arrow pointing to the three previous graphics] Don’t get distracted by low odds

[Graphic of a green arrow pointing up] Pay attention to high odds

[Graphic of an employee badge inside a green circle] Experiencing a disability during your working years 1 in 4⁴

[Graphic of a heart with a pulse line through the center inside a green circle] Causes of a disability almost 90% illness vs. 10% injury⁵

[Graphic of a calendar page with the number 2.6 on it inside a green circle] Average duration of a long-term disability 2.6 years⁶

Fact: Disability happens to more people, more often than you may think —and it lasts longer too. [Graphic of an analog clock showing 5:00]

Surprised? Most people are. If you became too sick or injured to work, your paycheck would likely stop – that’s where disability income insurance comes in. [Graphic of a stack of dollar bills]

Don’t play the odds with your financial future.

Speak to your Financial Representative to learn more about how individual disability income insurance works to protect your income.

1 https://mountainlion.org/2016/01/13/what-are-the-odds/

2 https://www.floridamuseum.ufl.edu/shark-attacks/odds/compare-risk/death/

3 https://news.nationalgeographic.com/news/2004/06/flash-facts-about-lightning/

4 U.S. Social Security Administration Fact Sheet, June 2020.

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

6 Council for Disability Awareness, The Average Duration of Long-Term Disability is 31.2 Months (Jan. 2016), https://blog.disabilitycanhappen.org/the-averageduration-of-long-term-disability-is-31-2-months

Guardian® is a registered trademark of The Guardian Life Insurance Company of America. © Copyright 2021 The Guardian Life Insurance Company of America.

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. Product provisions and availability may vary by state.

Pub10261BL (03/21) 2023-149210 (Exp. 03/25)