Benefit strategies that deliver.
Benefit strategies that deliver.
At Cambridge Indemnity, we are dedicated to providing peace of mind through comprehensive insurance solutions. Specializing in Guardian insurance products, we focus on:
Our mission is to help individuals and families safeguard their financial future against unforeseen circumstances.
Cambridge Indemnity provides Supplemental Income Protection tailored for highly compensated executives, physicians, attorneys, and employees. This service is designed to offer financial security and peace of mind in the event of unforeseen circumstances that may impact income. By enhancing standard coverage, CI ensures that professionals in high-stakes positions have the necessary support to maintain their lifestyle and meet financial obligations, even during challenging times.
With years of experience in the insurance industry, we understand the complexities of coverage options. Our knowledgeable team is here to guide you in selecting the best policies tailored to your needs.
We believe in building lasting relationships with our clients. Our approach is to listen to your unique circumstances and provide customized solutions that fit your lifestyle and financial goals.
We offer a wide range of Guardian insurance products, ensuring that you have access to the most suitable options for Disability Insurance and Term Life Insurance. Our commitment is to protect what matters most to you.
Your benefits package: It can be a critical component in the success of your business Why? Because it helps you attract and retain the high-income, high-value employees who make your business so successful. But you may want to ask yourself one important question: Is your benefits package as comprehensive as it should be? The answer may surprise you.
Supplemental Income Protection from Berkshire Life Insurance Company of America, a Guardian company, is a custom insurance benefit solution that can offer both a powerful motivator for employees and a competitive advantage for your company.
You may think your benefits package is complete, but chances are, it’s not. Because nowadays, Group Long Term Disability (LTD) income coverage may not be enough. Don’t be mistaken: Group LTD coverage can be a great foundation for most of your employees. However, as compensation increases for your key executives, managers, and top performers, coverage gaps can occur for several reasons:
benefits significantly
contributions may not be covered by group insurance
Supplemental Income Protection can help bridge the gap
and provide your employees with income replacement
above and beyond their Group coverage.
A disabling injury or illness can be financially
devastating — impacting your employees’ ability
to pay their mortgage and support their families:
– Muscle, back and joint disorders
– Spinal and nervous system disorders, such
as multiple sclerosis
– Cardiovascular and circulatory diseases,
such as heart attacks
– Autoimmune disorders, such as lupus and
rheumatoid arthritis
Both your company and your employees are winners when you add Supplemental
Income Protection to your benefits package.
compensation, retirement contributions)
Permanent premium discounts
easy “yes/no” questions to answer
who change employers with a one-time opportunity
to increase their benefit (with no medical underwriting)
the employee’s income.
If you provide employer-paid coverage for select employees,
premiums are tax deductible as a business expense
communications make implementation easy
• Is an important benefit for highly compensated employees who may not
• have income replacement coverage for their incentive compensation or
retirement contributions through your group plan
• Helps fill the gap by covering up to 75% of total gross insurable income.
For any inquiries, concerns, or compliments about our service, please don’t hesitate to email at info@cambridgeindemnity.com.
Please reach us info@cambridgeindemnity.com if you cannot find an answer to your question.
If you have four business partners, there is a 45% chance at least one business partner will become disabled by age 65.
Key person insurance is a life insurance policy that a company purchases on an owner, a top executive, or another individual critical to the business.
The cost per policy will differ, but you will only need to answer 3 yes/no questions. There is no medical exam required. Please contact us for your free quote.
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