• Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.

    (Source: U.S. Social Security Administration, Fact Sheet February 7, 2013)
  • Approximately 90% of disabilities are caused by illnesses rather than accidents.

    (Source: 2011 Long-Term Disability Claims Review, Council for Disability Awareness)
  • 65% of working Americans say they could not cover normal living expenses even for a year if their employment income was lost; 38% could not pay their bills for more than 3 months.

    (Source: Council for Disability Awareness, Disability Divide Consumer Disability Awareness Study, 2010)
  • 63% of producers said the reason they don’t sell DI is because their clients don’t ask.

    (Source: LIMRA International, Producer Perspective on Individual Disability Income Insurance, 2009)
  • 7 in 10 women think everyone should have life insurance, yet 43% have no coverage.

    (Source: Personal-level Trends in U.S. Life Ownership, LIMRA 2011)
  • 86% say they haven’t bought life insurance because it’s too expensive, yet overestimate its true cost by more than 2x.

    (Source: LIMRA and LIFE Foundation 2013 Insurance Barometer Study)

Lifetime Brokerage is the brokerage division of one of the largest and most successful general agencies of the Guardian Life Insurance Company.

We have a reputation of delivering a comprehensive product line with competitive features throughout Ohio, Kentucky, West Virginia and Western Pennsylvania. From case design to marketing initiatives, our team of brokerage specialists will support your life and disability sales efforts. When quality matters, we have the people and the tools to help you build your business.

Lifetime Financial Growth Company of Ohio, LLC is an independent general agency of The Guardian Life Insurance Company of America, NY, NY. Lifetime Brokerage is the brokerage arm of Lifetime Financial Growth Company of Ohio, LLC. Lifetime Financial Growth Company of Ohio, LLC and Lifetime Brokerage are not affiliates or subsidiaries of The Guardian Life Insurance Company of America, NY, NY.

Lifetime Brokerage is authorized to offer products of The Guardian Life Insurance Company of America (Guardian) and its subsidiaries.

Securities products offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC.  OSJ: 24500 Chagrin Boulevard, Suite 200, Beachwood, Ohio 44122, 216.360.7400.  PAS is an indirect, wholly-owned subsidiary of Guardian.  Lifetime Brokerage is not an affiliate or subsidiary of PAS or Guardian.

Important Disclosures

2015-2900 (Exp. 05/17)