MCR Financial releases the Holy Cross Hospital Disability Insurance Discount Program

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Guardian Disability Insurance Brokerage and MCR Financial are happy to announce a new discounted disability insurance program available to all attending physician's at Holy Cross Hospital.

With the new Holy Cross Hospital disability insurance discount program, attending physicians with admitting privileges can obtain high quality coverage at very affordable rates.

Guardian Life Insurance Company and is now offering a significant premium discount* on Guardian’s disability income protection for all doctors with admitting privileges at Holy Cross Hospital in Silver Spring, Maryland. Guardian offers a very strong contract for physicians and the agents at and MCR Financial are ready to help provide the education and guidance to help them make the right decision for their disability insurance needs. The number of doctors affected by disability is significant and each one should be protected from such a financially devastating occurrence.

It is important to have the best coverage available and that is exactly what Guardian is offering the doctors at Holy Cross Hospital. Guardian Life Insurance Company of America offers the number one non-cancellable individual disability insurance policy in the country**. Physicians can obtain an own-occupation definition of total disability with medical specialty language built into the contract from Guardian/Berkshire Life ***, one of the few carriers that currently offers this. If you have limited your occupation to the performance of the material and substantial duties of a single medical specialty, Berkshire Life will consider that specialty to be your occupation.

When comparing individual disability policies, remember that while many carriers offer own-occupation coverage, very few offer it to physicians with medical specialty language included in the policy.

You can get additional information or a customized proposal by going to

*10% Association discount available on ProVider Plus policy form 1400.

**The #1 issuer of non-cancellable disability insurance according to LIMRA International 2010 U.S. Individual Disability Income Insurance Annual Review report, based on annualized premium.

***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, New York, NY. Product provisions and features may vary from state to state.
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. Form Policy 1400, 1500 or 1600. The expected benefit ratio for this policy is 50% (including NY 1400). This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy

James Fegan is a Registered Representative of Park Avenue Securities LLC (PAS), 7 Hanover Square, New York, NY 10004. Securities products and services offered through PAS, 1-888-600-4667. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. MCR Financial is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC


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