Brian Wetzel

Our Products

We specialize in offering disability insurance products to dentists, physicians and other professionals. Our clients rely on us to provide professional advice about which disability products are appropriate for them to help realize their financial goals. Among our disability product offerings are:

Personal Disability Insurance protects your most valuable asset, your future income in the event of an unexpected accident or illness. This policy can protect your income as a medical professional and should be the first step in the financial planning process.

Key Definitions:

  • Full return to work benefit (recovery)
  • Own occupation protection
  • Non-cancelable/guaranteed renewable
  • Future increase options

Contact our office at 866-494-1275 to receive a quote!

Retirement protection is a valuable safeguard to protect your retirement income in the event of a disability. A retirement protection policy will insure contributions normally designated to a retirement plan will continue should you become totally disabled.

Retirement protection disability is not a a pension plan but is a program that provides disability income insurance to replace your normal retirement plan contributions when disabled. Plans cover not only the EE's contribution to a defined contribution plan but also the employer's matching contribution if the worker becomes totally disabled.

This coverage goes beyond typical personal disability coverage to insure your long-term investment in retirement.

Contact our office at 866-494-1275 to receive a quote!

As a professional, investment in a practice and other business loan obligations can be a large portion of your monthly expenses. Should you become disabled, your practice's fixed monthly costs for loans and other obligations could be difficult to meet. You can insure against a disability preventing you from meeting such fixed payment obligations as:

  • Purchase agreements
  • Medium term loans dependent upon the business talents of a key individual

This type of disability insurance can provide collateral for a loan by assigning the proceeds of the policy to the lender to cover the majority of the monthly loan payment in case of disability or illness.

Contact our office at 866-494-1275 to receive a quote!

How would you meet your business' typical monthly expenses should you be pushed to the sideline with a disability? Business Overhead Insurance allows you to maintain your practice should you ever become disabled. This coverage includes reimbursement for expenses such as:

  • rent
  • utilities
  • insurance
  • employee salaries
  • other fixed monthly overhead expenses

Contact our office at 866-494-1275 to receive a quote!

Buy-sell covers you in the case of a disability during the creating, buying or selling of a business. If part of your retirement planning is the sale of your business, buy-sell insurance also ensures that you and your family will still receive proceeds of the business sale in case of your disability.

Contact our office at 866-494-1275 to receive a quote!

Other Insurances

Additionally, as a courtesy to our clients, we offer a full portfolio of associated insurance and other products.


Life insurance may be one of the most important purchases you’ll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more.

Contact our office at 866-494-1275 to receive a quote!

Your practice is your greatest asset and you need to carefully consider your risks before committing to insurance protection.  Malpractice insurance can help protect you from financial loss and allow you to concentrate on your practice.

  • Both occurrence and claims made forms available
  • Prior acts coverage available
  • A.M. Best company rating of A+
  • Pure consent: doctor's consent required to settle claims
  • No blackmail or arbitration clause
  • Corporation/partnership can be included with separate limits
  • Hygienists and assistants can be included with separate limits
Guardian does not offer Malpractice and Business Contents & Liability Insurance nor provide services for them.

Contact our office at 866-494-1275 to receive a quote!

Coverage includes but not limited to:

  • Contents and Building
  • Property off premises
  • Sewer Back up/Water Damage
  • Accounts Receivable
  • Business Income and Extra Expense
  • Electronic Data Processing Equipment, Data and Media
  • Equipment Breakdown
  • Valuable Papers and Records
  • General Liability
  • Data Breach
  • Employment Protection Liability
Guardian does not offer Malpractice and Business Contents & Liability Insurance nor provide services for them.

Contact our office at 866-494-1275 to receive a quote!

 


* Neither Guardian nor its subsidiaries issue Malpractice or Business Contents and Liability Insurance