Guardian Life Insurance Company and its fully owned subsidiary, Berkshire Life Insurance, have liberalized the own occupation definition for all physicians and dentists. Before this liberalization, many physicians had the own occupation definition of disability to age 65 in their contracts with Guardian and Berkshire but some physician specialties had a definition which limited the own occupation definition of disability to 5 years. The liberalization includes the extension to age 65 of the own occupation definition of disability to surgeons, cardiologists with invasive duties, anesthesiologists and any and all physicians of any specialty - period. Also, Guardian and Berkshire offer the own occupation definition of disability for dentists and the recent liberalization extended that provision to oral surgeons who previously had a 5 year own occupation definition. This own occupation definition is further amplified by Guardian and Berkshire to define own occupation as one’s specialty. Guardian has many other very well written and liberal provisions in their contract which make them a recommended insurance company for us at protectyourincome.com. A unique benefit offered by this policy is the liberal recovery benefit which you can read about on the site. To learn more or to request disability insurance quotes from Guardian Life or Berkshire Life, you can visit the informative authority on disability insurance - www.protectyourincome.com.