1 Calculated for a 30-year-old with an annual salary of $125,000 and 3% annual increases through age 65.

2 Association of American Medical Colleges, 2012 Survey and Financial Planning Issues for Dental Students, American Dental Association, 2013.

3 Berkshire Life is the leading provider of non-cancellable disability income insurance, according to the 2014 LIMRA International U.S. Individual Disability Income Insurance Participant’s Report, based on 2013 annualized premium.

4 Business Reducing Term premium for a 30-year-old male, medical/dental occupation class 4A, $910 monthly indemnity and 30-year policy term is $19.85 per month. Coverage based on a loan principal balance of $140,000 payable over 30 years at the unsubsidized/graduate Stafford loan repayment rate of 6.8%. Your premium could vary.

5 In order to be eligible for Student Loan Protection, attorneys must own, or purchase ProVider Plus with a minimum $1,500 monthly benefit.

ProVider Plus disability insurance policy forms 1400, 1500 and 1600 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Business Reducing Term Policy form AH55-A provided by Guardian.

Product provisions and availability may vary by state.

© Berkshire Life Insurance Company of America 2014. All Rights Reserved.

The Guardian Life InsuranceCompany of America7 Hanover SquareNew York, NY 10004www.GuardianLife.com

Pub 4438BL (06/14) 2014—05291 (Exp. 06/16)

Education Was a Big StepSoar Ahead Confidently

DISABILITY INCOME PROTECTION FOR STUDENT LOANS

Two good reasons to purchase Student Loan Protection coverage:

• Ifyouhaveoneormoreoutstandingstudentloans,or

• Wouldbeunabletocoverloanpaymentswithoutdippingintosavingsorsacrificingyourlifestyle.

Advantages of owning Guardian Student Loan Protection:

• Affordablecoveragethatpaysyourloanobligationintheeventoftotaldisability.

• Ensureson-timepaymentandhelpstopreserveyourcreditratingifyouaretotallydisabled,notworking,andeligibleforbenefits.

• Paymentsaremadeforyou—youdon’tneedtowriteacheckeverymonth;paymentsaremadedirectlytothelender.

• Preciselythecoverageyouneed—thepolicyperiodismatchedtothedurationoftheloan.Andyoucovereachstudentloanwithaseparatepolicy,soyoustoppayingforcoveragewhentheloanisrepaid.

• Upto$2,000incoverageforyourloansontopofyourindividualdisabilityincomepolicy.

• It’seasytoapply—allyouneedisanapplicationandcopyofyourloanagreement(s).

You may qualify for up to $2,000 to cover monthly student loan payments if you:

• Areaphysician,dentist,medical/dentalresident,pharmacist,veterinarianorattorney5whoappliesfor—oralreadyowns—aProViderPlusorProViderPlusLimitedpolicy.

• Havestudentloanpaymentsof$500permonthormore,withtermsof5–30years.

• Are18-55yearsold.

Call your financial advisor or insurance representative today to find out how you can protect your financial future.

You face $7.5 million in career earning potential. And $180,000 or more in student debt…

Protect your future with disability insuranceYou’veinvestedinacareerthatwillprovideacomfortablelifestyle.Forexample,a30-year-oldphysicianordentistcanearnover$7.5millionduringhisorhercareer.1Likemanyprofessionals,you’veprobablytakenoutstudentloanstohelpfinanceyoureducation.Onaverage,physiciansbegintheircareerswith$181,290instudentloandebtanddentistsaverageastaggering$200,044!2

If you became too sick or injured to work, how would you protect your income and repay your loan obligations?

ProVider Plus is premier protection for your income

BerkshireLifeisthemarketleaderwhenitcomestoprovidingincomeprotectionforprofessionals.3

Unique disability insurance covers student loans

OurStudentLoanProtectionPrograminsuresupto$2,000ofyourmonthlypaymentonstudentloandebtintheeventoftotaldisability.Coverageisaffordable—aslittleas$20permonth.4Thisuniqueprogramisonlyavailabletothosephysicians,dentists,medical/dentalresidents,pharmacists,veterinariansandattorneys5whopurchaseoralreadyownaProViderPlusorProViderPlusLimitedpolicy.