Guardian Disability Insurance Application
Apply for a Guardian individual disability insurance policy.
This is the offline version of the application. An online version is also available, which requires the agent to initialize a record on your behalf.
For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
icc18-DI-2018
Will I qualify?
If you have reason to believe that qualifying might be a challenge, just call or submit an incomplete application. Submitting an incomplete application will force a pause in the process while still in a preliminary stage because the agent will have to contact you to discuss the incomplete information along with any forseeable challenges and underwriting requirements before anything official gets underway.
Medical Questions
Get a sneak peek of the medical questions and talk about them informally with your agent to get an indication of probable outcome. There is no need to fill this out. Later in the process, you will be asked to complete this online or by telephone.
Evidence of earnings might be requested
A copy of a recent paystub or tax returns might be requested to validate stated earnings on the application. This is because the insurer wants to avoid issuing a policy that is oversized relative to earnings. If you are hoping for a policy with a benefit greater than $6,000 per month, the odds of such a request are high.
Whether financial documentation will be necessary requires a review of your application because it depends on your application history, the nature of your occupation, your employment stability, the amount of monthly benefit you might like, and more. For now, the important thing is to know this might be coming.