Guardian/Berkshire announced they will now allow all policyholders to exercise their future increase option rider by December 31, 2009 regardless of policy anniversary or if an increase has already been exercised this year–all with no medical underwriting!

Additionally, Guardian has increased their income and participation limits. Therefore, you may be eligible for more benefit based on your current income.

To exercise an increase option a simple application is required along with financial verification.

If you are interested in taking advantage of this opportunity, please contact us with your current income and let us know if you have any group disability insurance benefits in force. We can prepare the information for you promptly.

As always, please feel free to contact us with any questions or concerns.

Thank you again for your continued business, loyalty and referrals.