Robert J. Gallagher & Associates, Inc.

RI Bar Sponsored Life & Disability | Products & Services

As a legal professional, you may have begun to think you'd never be able to find the kind of high-quality disability income coverage you need.

Coverage that includes:

  • benefit payments when you can't work at your own occupation - even if you can work at another one
  • non-cancellable and guaranteed renewable to age 65
  • waiver of premiums during disability benefit period

We are proud of our INDIVIDUAL LIFE and DISABILITY SPONSORSHIPS with the Rhode Island Bar Association. Our Term Life plan with ING/ReliaStar offers competitive rates with less restrictive underwriting than traditional carriers. Our rates for SMOKERS are great! The Guardian's individual disability policy offers a 10% DISCOUNT to RI Bar Members under Age 60 with a True Own Occupation Definition. This feature is offered by few carriers in today's marketplace. Both products are subject to the company's underwriting requirements.

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. Products not available in all states. Product provisions and features may very from state to state.

Please contact us for more information regarding these products.














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