Broker Check
Student Loan Optometry Ophthalmology

The Importance of Disability Income Protection


Real Life Stories

Your income is the foundation upon which your lifestyle and future plans are built. For this reason, protecting your income is of vital importance.  Here, you’ll hear from Dr. Kardani and from Dr. Vincent Tullos, who made the intelligent choice to protect their income and their family with an individual disability income insurance policy.

Watch HERE

Disability insurance

You have worked hard to get where you are today! Protecting your income is only the beginning.

Learn More

Student Loan

Protecting your ability to meet your student loan obligations when illness or injury prevent you from working.

Learn More

Life Insurance

When protecting your family's current lifestyle, wealth and future financial stability is important to you.

Learn More

High Quality Income Protection

When it comes to income protection, medical professionals should consider insurance policies that can pay more during a disability and throughout recovery. We may not know when a disability could strike - but by choosing the appropriate policy, you can feel confident in owning a high-quality policy from a reputable industry innovator with exemplary financial ratings. Berkshire Life, a Guardian subsidiary, has the following ratings as of  May, 2015 and are subject to change:

A++ from A.M. Best Company

AA+ from Standard & Poor's

AA+ from Fitch


Helpful Content

The Most Overlooked Item of Any Home Improvement

The Most Overlooked Item of Any Home Improvement

The item most homeowners forget on their home improvement project checklist is insurance.

Password Protection Strategies

Password Protection Strategies

Simple steps may help you foil hackers and protect your privacy.

Red Flags for Tax Auditors

Red Flags for Tax Auditors

Here are six flags that may make your tax return prime for an IRS audit.


Term vs. Permanent Life Insurance

When considering life insurance, it's important to understand your options.

Stop Wasting Money

One way to find money is to examine your current spending habits and eliminate money wasters.

Savings and Cash Flow

Savings is a critical tool to ensure positive cash flow in your personal finances.

A Penny Saved is Two Pennies Earned

Here are some simple and inexpensive energy-saving tips that may help you save money.

Please Leave Home Without It

Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.

Strategies For Managing Student Loan Debt

Five strategies for managing your student debt.

View all articles arrow

Historical Inflation

This calculator shows how inflation over the years has impacted purchasing power.

Long-Term-Care Needs

Determine your potential long-term care needs and how long your current assets might last.

Should I Buy or Lease an Auto?

This calculator compares the financial impact of leasing versus buying an automobile.

Capital Gains Tax Estimator

Use this calculator to estimate your capital gains tax.

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

View all calculators arrow

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

View all presentations arrow

Keeping Up with the Joneses

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

It May Be Time for a Financial Checkup

It’s never a bad time to speak with your financial advisor about changes in your situation.

What to Do When You Lose Your Wallet

Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.


Making the most of surprises is a great reason to work with us.

The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

Suddenly Single: 3 Steps to Take Now

Have you found yourself suddenly single? Here are 3 steps to take right now.

View all videos arrow