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Guardian To Offer Guaranteed-Issue Small Group DI

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An insurer is making it easier for employers with 2 to 9 employees to offer disability insurance benefits.

Guardian Life Insurance Company of America, New York, says it now will let employers in that size range provide disability insurance on a guaranteed issue basis.

The guaranteed issue provision lets employers provide employees with some disability protection without them having to complete a medical exam or undergo medical underwriting.

Guardian has been offering guaranteed-issue life plans to employers with 2 to 9 employees for more than a year.