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Disability Insurance Specialist

Charles (Chuck) J. Kofoed provides comprehensive, innovative Income Protection strategies for clients throughout the United States.

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DISABILITY INSURANCE

Since 1985

CJKofoed

Disability Income Specilist Since 1985

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Consider us your Financial Structural Engineers,

Working hard to keep your financial world intact!

Professional Assistance

 

While our focus is on getting you paid should a disability claim arise, we also recognize how premium costs influence your DI buying decision. We thus look for opportunities to help save you money while maintaining high-quality insurance products.  Our Objective is to keep your financial world intact by providing:

 

  • The Right DI Policy Types - Business and Personal
  • The industry's best definitions
  • The right amount of coverage

 

In addition to offering state-of-the-art Disability Income and Life Insurance products, we are part of a team of specialists that can provide professional help with various insurance and financial needs: life, employee benefits, commercial, personal lines, retirement planning, and general financial and estate planning.

CHOOSING THE RIGHT DI POLICY

 

CHOOSING THE RIGHT DI POLICY

DI - IT'S ALL ABOUT CLAIMS

 

DI - IT'S ALL ABOUT CLAIMS

IMPORTANT DI LANGUAGE

 

IMPORTANT DI LANGUAGE

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TERMS & CONDITIONS

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Financial Representatives of The Guardian Life Insurance Company of America, New York, NY.

 

CJ Kofoed is a Utah-licensed insurance agent. CJ Kofoed is licensed in the following states: Arizona, California, Colorado, Idaho, Nebraska, New Mexico, Ohio, Oregon, Texas, Utah, Washington & Wyoming, . The associates of CJ Kofoed are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Chuck Kofoed at (801) 560-3784.

 

This internet site may provide links to other sites for your convenience in locating related information and services. CJ Kofoed & The Guardian Life Insurance Company of America (Guardian Life) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. CJ Kofoed, Guardian and PAS cannot make any representation or warranty as to the accuracy, timeliness, suitability, completeness or relevance of any information prepared by any unaffiliated third party, whether linked to this internet site or incorporated herein, and take no responsibility therefore. CJ Kofoed, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.

 

Neither Guardian, nor its subsidiaries, agents or employees give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.

 

* Neither Guardian nor its subsidiaries issue Long Term Care Insurance.

 

(CA Insurance License 0650362)

 

  1. 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 (Guardian), New York, NY, or provided by Guardian. Product availability, provisions and features may vary from state to state.
  2. Policy Forms 1400, 1500 or 1600
  3. Retirement Protection Plus is not a pension plan or substitute for one.
  4. Policy Form AH55-A provided by The Guardian Life Insurance Company of America, New York, NY.
  5. Policy Form 4100 or 4200
  6. Policy Form 3100 or 3200
  7. 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. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.

 

 

This publication is provided for informational purposes only and should not be considered tax or legal advice. Please contact your tax or legal advisor regarding tax treatment of the policy and policy benefits. You should consult with your own independent tax and legal advisors regarding your particular set of facts and circumstances. The information provided is not intended or written to be used, and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state local tax law provisions.

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