Guardian’s New ProVider Plus Individual Disability Insurance Offering Provides Savings for Anesthesiologists, Nurse Anesthetists, ER and Pain Management Physicians

Rockville, MD (PRWEB) February 16, 2012

MR Insurance Consultants, a financial services group located in Rockville, MD is proudly announcing the release of revised pricing, offered by Guardian, on the ProVider Plus individual disability insurance policy for Anesthesiologists, Anesthetists, Nurse Anesthetists, ER and Pain Management physicians. These five medical specialties will now have access to discounted premiums, making Guardian one of the most competitively priced individual disability insurance providers.

For years, the ProVider Plus policy has been recognized and respected by the medical community for offering one of the most comprehensive individual disability insurance policies a physician can own, and now Anesthesiologists, Anesthetists, Nurse Anesthetists, ER and Pain Management physicians will be able to obtain the same high quality income protection at a discounted rate. The discounted coverage is currently available in 41 states and should be available in a few additional states later this year.

Obtaining coverage is ideal during a time when physicians have access to such comprehensive and competitively priced income protection options. “In speaking with highly specialized physicians regarding disability insurance, ProVider Plus is generally the preferred option due to the comprehensive features it offers. Now it will not only be one of the most comprehensive options, but also one of the most competitively priced for these five medical specialties”, says Michael Relvas, founder of MR Insurance Consultants. Michael Relvas, is a CERTIFIED FINANCIAL PLANNER™ professional and also the creator of the “Physicians Disability Insurance Buyer’s Guide”. For more information, Michael can be reached at 800-817-4522 or mrelvas(at)mrinco(dot)com.

Michael L. Relvas, CFP® is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 1355 Piccard Drive, Suite 380, Rockville MD 20850. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 240-683-9700.
Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. MR Insurance Consultants is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

Disability insurance Policy Forms 1400, 1500 or 1600 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. This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. For policy forms 1400, 1500, or 1600, the expected benefit ratio is 50% (including NY 1400). For policy forms 1400-F, 1500-F, or 1600 F, the expected benefit ratio is 60% (NY only). The expected benefit ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with these policy forms respectively. Product availability, provisions and features may vary from state to state.    

Twenty-four month mental and/or substance-related disorders limitation is included on all policies issued to anesthesiologists/anesthetists (MD, DO), emergency room physicians, pain management physicians, and nurse anesthetists. Limitation also applies to all new policies issued in the states of California and Florida. The limitation does not apply to policies issued as a result of a future increase option or future purchase option where the policy from which the option is exercised does not contain such a limitation. The limitation does not apply to any policies issued in the state of Vermont, regardless of occupation

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