Business Details
29 Years
experience
Personal Disability Insurance Solutions
Since 1997, our agency has specialized exclusively in individual disability insurance, becoming the largest brokerage for The Guardian Life Insurance Company of America. Our team of licensed professionals brings decades of combined experience in personal disability insurance, offering tailored solutions for white-collar professionals. We leverage advanced systems to streamline the process of securing coverage, ensuring clients receive comprehensive protection at competitive rates.Our partnership with Guardian, a market leader in high-end disability insurance, allows us to provide access to industry-leading policies with unique benefits like true own-occupation coverage and enhanced partial disability riders. With direct-to-consumer sales since 1999 and a dedicated division supporting insurance agents nationwide, we combine technological efficiency with specialized expertise to protect our clients' most valuable assettheir ability to earn an income.
Services
Individual Disability Insurance
Supplemental Disability Policies
Own-Occupation Coverage
Partial Disability Benefits
Student Loan Protection Rider
Details
- Year established: 1997
Highlights and features
- Specialized focus on individual disability insurance since 1997
- Exclusive partnership with Guardian, a leader in DI products
- Automated systems streamline policy acquisition and management
- Agents hold lifetime achievement recognition in disability insurance sales
- Expert negotiation of discounts and complex medical histories
Associations and certifications
- Guardian Life Insurance Company of America
Services
Individual Disability Insurance
Our core offering provides income protection for professionals unable to work due to illness or injury. Policies feature true own-occupation coverage, ensuring benefits even if working in another capacity. Designed for physicians, attorneys, and executives, these plans protect up to $30,000 monthly with tax-free benefits.
Supplemental Disability Policies
These policies address gaps in employer-provided group LTD coverage. They offer portable protection with benefits up to $30,000 monthly, covering bonus and commission income while eliminating tax liabilities during claims. Ideal for high-income professionals needing enhanced protection.
Own-Occupation Coverage
This specialized protection guarantees benefits if disability prevents performing core duties of one's specific profession. Available for medical specialists, attorneys, and executives, it allows continued practice in alternative roles without benefit reduction, maintaining financial security.
Partial Disability Benefits
Enhanced partial disability riders provide ongoing benefits until full financial recovery, not just physical healing. Unique features eliminate 'loss of time' requirements, ensuring continued support for professionals rebuilding practices or businesses after disability.
Student Loan Protection Rider
This optional rider covers student loan payments during disability claims. Specifically designed for recent graduates, it prevents loan burdens during income loss while maintaining policy benefits for primary financial needs like living expenses and practice maintenance.
People
Steven Crawford
General Agent
Top nationwide producer of Guardian disability insurance, twice inducted into Berkshire's DI Circle of Excellence. Featured in major financial publications, he holds FINRA-registered securities licenses and leads strategic advisory initiatives.
Matthew Finn
Brokerage Manager
Award-winning manager with 20+ years supporting agents' DI profit centers. Recognized as Guardian's top DI wholesaler multiple times, he specializes in optimizing agents' business growth through specialized insurance solutions.
Susan Campbell
Brokerage Manager
NAIFA leadership member with 25+ years guiding agents' insurance strategies. As Berkshire Circle of Excellence member, she develops comprehensive growth plans for disability and life insurance professionals nationwide.
Bill Olmsted
Senior Agent
Elite DI producer creating innovative systems for consumer policy acquisition. With FINRA securities registration and Inner Circle recognition, he combines technical expertise with personalized client service for nationwide disability protection.
Stacey Rapant
Underwriting Director
Former Berkshire Life manager leading underwriting operations. She negotiates offers on behalf of agents, leveraging 20+ years of experience to streamline approval processes while maintaining strict compliance standards.
Questions
What makes Guardian disability policies unique?
Guardian offers true own-occupation coverage allowing alternative employment during disability, enhanced partial benefits until full financial recovery, and specialized riders for student loans and practice rebuilding.
Can I get disability coverage with pre-existing conditions?
Our agents negotiate complex medical histories with underwriters, leveraging relationships to secure coverage where others cannot. We identify applicable discounts and structure policies to maximize approval chances.
How does supplemental disability insurance work?
Supplemental policies provide portable coverage up to $30,000 monthly, covering bonus income and eliminating tax liabilities. They complement employer-provided group LTD by increasing replacement income percentages.
Are benefits taxable during claims?
Benefits from personally owned policies are tax-free since premiums are paid with after-tax dollars. This contrasts with employer-paid group LTD where benefits are taxed during claims.
How quickly can I obtain coverage?
Instant quotes available online with full policy implementation typically completed within 4-6 weeks. Expedited underwriting options exist for qualified applicants needing urgent protection.
Do you offer group disability plans?
We specialize in individual policies rather than group plans. Our expertise lies in personal disability protection for professionals and supplemental coverage for those with employer-provided group LTD.
