NJVMA DISABILITY INSURANCE PROGRAM

The NJVMA Disability Insurance Program is exclusively designed for Veterinarians. This innovative Program was designed to provide member veterinarians with superior coverages and preferred pricing not offered by other programs. As your local veterinary insurance specialist, our focus is to accurately assess your insurance requirements and present you with the most cost effective solutions to safeguard your family, personal financial situation and veterinary practice.

The solution is to participate in your association endorsed program and benefit from the superior coverages and preferred pricing of the NJVMA Disability Insurance Program.

The Creative Agency Group and the New Jersey Veterinary Medical Association are extremely pleased to announce a valuable new benefit for the New Jersey Veterinary Medical Association members: disability income insurance. Underwritten by Berkshire Life Insurance Company of America* and offered by the Creative Agency Group, this coverage will provide you with a continuing income if sickness or injury prevents you from working. And because you are a member of the NJVMA, you will be eligible for a 10% premium discount. An additional 15% discount is available to those members who do not use tobacco products, a 5% discount is available to those who qualify as preferred risks, and veterinary practices will qualify for further discounts and unisex rates for group and employer paid plans.

• Strong Occupational Definition
• Strong Residual Benefits
• Multiple Benefit Periods
• 10% NJVMA Discount
• Unisex Rate Discount: 2 or more in group & employer paid plans
• 100% Portable

• Strong Presumptive Disability Benefits
• Catastrophic Disability Benefits
• Future Increase Options and Benefits
• Cost of Living Adjustments and Benefits
• “New” Veterinary Program: no income verification required for new associates

• Overhead Expense
• Disability Buyout

• Business Reducing Term
• Retirement Protection Plus: insures contributions to retirement plans

*Disability income insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, Massachusetts, is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Product provisions and features may vary state by state.

David Cerchio is a Registered Representatives of Park Avenue Securities LLC (PAS), 710 Route 46, Suite 401, Fairfield, NJ, 07004. Securities Products and services offered through PAS,  (973) 244-4420 . Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirectly wholly owned subsidiary of Guardian. The Preferred Client Group, LLC is not an affiliate or subsidiary of PAS or Guardian.

Creative Agency Group is not an affiliate or subsidiary of PAS. PAS is a member FINRA, SIPC.

www.FINRA.org

David Cerchio is securities licensed in CA, CT, PA, MA, NJ, and NY; licensed to sell insurance in PA, FL, CT, NJ, and NY. The material is strictly intended for individuals residing in those states. No offers may be made or acceptance from any resident outside these specified states. The information or opinions contained in this Internet site should not be construed in any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to individuals who resided in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.

Jeanne Moir is a Field Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. The Preferred Client Group, LLC is not an affiliate or subsidiary of Guardian.