[Guardian logo]

Keeping Your Business Strong

[Photograph of profile of smiling woman.]

Think about your investment in your business. It’s not simply a business, it’s your life’s work.

For many business owners, the business provides the majority of your income. It’s what makes your lifestyle possible. But what would happen to your business if you became too sick or injured to work?

The risks are real

1 in 4 will become disabled during their working years¹. [Graphic of four human figures from head to chest, with one of the figures colored blue and the remaining three gray.]

Almost 90% of disabilities are caused by illnesses, not injury². [Graphic of a stethoscope surrounded by a colored border. 90% of the border is colored green and labeled “illness.” The remaining section is colored blue and labeled “injury.”]

Average duration of a long-term disability³: [Graphic of a calendar displaying “2.6 years.”]

You can’t know when a disability could strike, but you can prepare for the possibility.

Disability protection can help provide the right coverage that needs your business’ unique needs and priorities.

[Graphic of hand holding a dollar bill.] Protect your personal income.

[Graphic of stacks of coins and a dollar sign.] Cover the everyday expenses to keep your business running. 

[Graphic of wallet with dollar bill sticking out of top.] Cover fixed-term financial obligations or business loans.

[Graphic of two stacked pages, the top with lines on it, and a pencil positioned over the lines.] Fund the purchase of a disabled owner’s interest in the business.

[Graphic of three human figures from head to chest, one appearing to be in front and two at the sides and behind.]  Provide income protection for your employees.  .

You’ve worked too hard and invested too much to leave the future of your business to chance.

Speak to your financial representative about a holistic personal income and business protection strategy.

¹ U.S. Social Security Administration Fact Sheet, June 2020.

² Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long-Term Disability

³ Council for Disability Awareness, The Average Duration of Long-Term Disability is 31.2 Months (Jan. 2016), https://blog.disabilitycanhappen.org/the-average-duration-of-long-term-disability-is-31-2-months

Guardian® is a registered trademark of The Guardian Life Insurance Company of America. © Copyright 2022 The Guardian Life Insurance Company of America.

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.

Pub10154BL (03/22) 2022-133265 (Exp. 03/24)