Disability Income Insurance*

Kirshner & Klarfeld Financial Group is considered to be specialist in this area and is among the foremost writers of individual disability insurance policies in the country. Special emphasis is placed on assisting the professional client in understanding and acquiring the best coverage to meet the client`s situation. Contractual policy differences can have huge impacts on if, when, and how much potential benefit may be paid.

No one knows when-or how-disability will strike. That unpredictability is why the best disability income insurance policy is the one that generates the most benefits in the greatest number of disability scenarios. How do you know which DI policy is the best for you? Obviously, it`s the one that provides the most comprehensive protection and has been tailored to meet your specific needs.

Personal         Overhead Expense         Business Loan        Disability Buy-Out

*Disability Income insurance 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. Products not available in all states. Product provisions and features may vary from state to state.