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Material discussed is meant for general informational purposes only. The information should be relied upon only when coordinated with individual professional advice. Individual disability income products underwritten and issued by Berkshire Life Insurance Company of America(BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. There are no medical questions for eligible GSI applicants. Hurley Associates is not an affiliate or subsidiary of Guardian. 8635092.1 Exp. 12/27