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Working hard to keep your financial world intact!



While our focus is on getting you paid should a disability claim arise, we also recognize how premium costs influence your DI buying decision. We thus look for opportunities to help save you money while maintaining high-quality insurance products.  Our Objective is to keep your financial world intact by providing:


  • The Right DI Policy Types - Business and Personal
  • The industry's best definitions
  • The right amount of coverage


In addition to offering state-of-the-art Disability Income and Life Insurance products, we are part of a team of specialists that can provide professional help with various insurance and financial needs: life, employee benefits, commercial, personal lines, retirement planning, and general financial and estate planning.

DI Articles Written To Help Guide Your Research

By - Chuck Kofoed

Your Connection For

Disability Insurance

Disability Insurance Specialist's Chuck & Blake Kofoed provide comprehensive, innovative Income Protection strategies for clients throughout the United States.



chuckKOFOED & blakeKOFOED | disability income protection specialists since 1985

Chuck Kofoed is a Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY.


  1. Disability income products 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 (Guardian), New York, NY, or provided by Guardian. Product availability, provisions and features may vary from state to state.
  2. Policy Forms 1400, 1500 or 1600
  3. Retirement Protection Plus is not a pension plan or substitute for one.
  4. Policy Form AH55-A provided by The Guardian Life Insurance Company of America, New York, NY.
  5. Policy Form 4100 or 4200
  6. Policy Form 3100 or 3200
  7. 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. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.


2015-7932 Exp. 7/17


California Insurance ID #0650362


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