1. Individual Disability Insurance from Guardian Everything you need to care for your client Disability income insurance 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, New York, NY or in California, provided by Guardian For producer use only. Not for use with the general public. 8537-03-08

2. 2 ProVider Plus  Comprehensive personal income protection  Professionals, business owners & executives  Which DI policy is the best for your clients?

3. 3 ProVider Plus  Non-cancellable & guaranteed renewable  True own occupation Specialty language for physicians & dentists  Residual disability benefits At least a 15% income loss No specific loss of time or duties Loss of income benefit for first 12 months Recovery benefit for up to the entire benefit period

4. 4 ProVider Plus Built-in client safeguards…  Waiver of premium  Waiver of elimination period  Presumptive disability

5. 5 ProVider Plus Value and flexibility…  Competitive premiums  No service fee on Guard-O-Matic monthly premium payments  Level, graded & step-rate premium options

6. 6 ProVider Plus Options for personalized coverage…  Graded Lifetime Indemnity for Total Disability Benefit Rider  Cost of Living Adjustment Riders Fixed 3% 6% Maximum Four-year Delayed 3% Fixed

7. 7 ProVider Plus Options for personalized coverage…  Catastrophic Disability Benefit  Future Increase Option  Automatic Benefit Enhancement Rider  Unemployment Waiver of Premium Option Rider

8. 8 ProVider Plus: Special Programs  Retirement Protection Plus Protection for retirement contributions Available as a rider or stand-alone policy  Employer-sponsored programs Qualified Sick Pay Plan Executive Bonus Plan Voluntary Income Protection  Special limits for young professionals Special issue limits for eligible occupations, with no financial underwriting

9. 9 ProVider Plus: Special Programs  Association discount program Professional & executive associations Ideal target marketing opportunity  Group conversion program Medical residents, dental & veterinary students Combination of Guardian group LTD with conversion feature to ProVider Plus  Home-based business owners Special underwriting criteria allow coverage to be issued

10. 10 Small Business Protection  Overhead Expense Reimburses monthly expenses to keep the business healthy  Business Reducing Term Unique product that covers fixed obligations  Disability Buy-Out Funding for buy-sell agreements

11. 11 Guaranteed Standard Issue DI  Employer-sponsored groups Voluntary or employer-paid Supplement group LTD plans Case level underwriting  Income ProVider policy Industry’s widest array of product design options  Flexible case design options & seamless administration

12. 12 Individual Disability Insurance from Guardian Everything you need to care for your client