ProVider Plus

With Berkshire Life Insurance Company of America you get the highest quality DI around. It’s our ProVider Plus*, with these hard-to-find features:
 

• Own-occupation – pays benefits if you are unable to perform the material and substantial duties of your own occupation due to sickness or injury…even if you are able to do some other kind of work.
• Non-cancellable and guaranteed renewable to age 65 - What good is coverage that can be cancelled just when you need it most? Berkshire Life's policies stay in force as long as you keep paying premiums on time - and premiums are guaranteed to stay the same until age 65.
• Optional Benefit Riders - Berkshire Life offers optional riders, which can be added to your policy for extra value and protection. Consider a rider:
  • To receive benefits if you suffer an income loss from a partial, rather than total disability (Residual Disability Riders)
  • To have the option to increase your coverage once a year for a specified number of years (Future Increase Option)
  • To provide a 4% increase in your monthly benefits each year for five years at attained age premiums - insure your increasing income (Automatic Increase Rider)
  • To help your disability benefit keep pace with inflation (Cost of Living Adjustment Rider, or COLA)**
  • To help if you lose your employer sponsored long-term DI coverage (Group Disability Insurance Replacement Rider)
  • To help maintain your coverage if you become unemployed (Unemployment Premium Waiver Option Rider)
  • To work alongside Social Security benefits (Social Insurance Substitute Rider)
  • Forms 0100, 1100, 2100.

For more information Contact us now.