1. A Few Minutes About the Rest of Your Life Your Career, Your Income, & Your Future Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary, therefore the information should be relied upon when coordinated with individual professional advice. The Guardian Life Insurance Company of America 7 Hanover Square New York, NY 8532-06-06 Disability income products 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 the Guardian Life Insurance Company of America, New York, NY.

2. 2 Investment in Your Career  Years of education & training  $$$,$$$

3. 3 Professional & Financial Goals  Developing your specialty  Building your practice  Purchasing a home  Starting a family  Accumulating assets

4. 4 Money and Planning Insurance Auto, Home, Liability, Life, Health Stocks Bonds Real Estate Savings CDs, Money Markets, Short-Term Treasuries GROWTH SAVINGS PROTECTION

5. 5 Money and Planning Insurance Auto, Home, Liability, Life, Health Stocks Bonds Real Estate Savings CDs, Money Markets, Short-Term Treasuries GROWTH SAVINGS PROTECTION Income FOUNDATION

6. 6 Disability: A Risk You Cannot Overlook  A 35 year old is about three times more likely to become disabled before age 65 than of dying during the same period.  Medical advances mean that more survive, but live with disabling conditions.

7. 7 86.6% Illness 13.4% Injuries You See It Every Day  What causes disability? Source: U.S. Department of Education, National Institute on Disability and Rehabilitation Research, 1996

8. 8 Income Protection: What are Your Options?  Group coverage through your employer  Association group coverage  Individual disability insurance

9. 9 Income Protection: The Important Questions  Can the insurer… cancel coverage? modify the terms of coverage? raise my premiums?  Am I protected in my specialty?  Can I get adequate coverage?  Can it be tailored to my needs?  Can I carry it with me?

10. 10 Group Disability Insurance Plans Typical Group Plan Basic protection: 60% of salary, subject to a cap Coverage can be modified or cancelled Costs are not guaranteed You don’t own it May not adequately protect you in your specialty

11. 11 Association Coverage  You purchase a set benefit  Insurer can modify or cancel coverage  Costs are not guaranteed  May not adequately protect you in your specialty  Limited optional benefits

12. 12 Individual Disability Insurance  Most generous level of benefits  Broad array of options  Policy individually owned

13. 13 The Best Policies  Non-cancellable & guaranteed renewable  True “own occupation” protection with specialty language

14. 14 Details to Consider  How long do I want to wait before benefits begin?  How long do I want benefits to last?  How much benefit can I get?  Am I protected if partially disabled?  As my income rises, can I guarantee my right to increase coverage in the future?  Will my benefit keep pace with inflation when I’m disabled?

15. 15 Why Now?  You are young and healthy  Lock in low premiums  Guarantee your right to maximum coverage

16. 16 Special Issue Amounts for Medical Residents  Monthly benefit: $3,500  Future Increase Option: $6,500

17. 17 Next Steps