When choosing a DI carrier, it is important to consider the differences of a publicly traded stock company and that of a mutual company. It comes down to who is considered first. The primary purpose of a publicly traded stock company is to make a quarterly profit for the investors. The policyholders are merely customers. With a mutual company the policy owners ARE the owners of the company. A mutual company's primary priority is to serve the policyholders. A mutual company can more easily manage long term promises since short term thinking of investors is not a concern for management.
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This website is intended for general public use. By providing this content, The Guardian Life Insurance Company of America, and their affiliates and subsidiaries are not undertaking to provide advice or recommendations for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact a financial representative for guidance and information that is specific to your individual situation.
Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA or provided by Guardian. BLICOA is a wholly owned stock subsidiary of and administrator for the Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state.
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