Use the online rate estimate tool to get a free Guardian disability insurance quote (the quote tool is only for individual/supplemental policies. If you’re interested in enrolling in an employer/group plan, talk with your employer to see if they offer Guardian employee benefits products). Available disability policy types include individual, small business protection, basic employee, and supplemental individual. Individual policies can be used as a supplement to long-term coverage provided by an employer. Small business protection policies are designed to allow small business owners receive income while they are unable to work. Basic employer-based policies allow employees to receive a base-level income while they are unable to work (usually these plans are not long-term). Supplemental individual plans can be used as an add-on to an existing employee benefits plan (allows for added levels of coverage). Follow the guide below to learn how to get a free rate estimate. How to Get a Quote Step 1 – Go to the main disability insurance page (link will open in a new window). Step 2 – Scroll down and click the ‘Get a Quote’ button. Step 3 – Select your gender. Step 4 – Enter your age, occupation, state of residence, and annual income. Note: You may be required to contact a representative in order to complete the quote process. Step 5 – You can adjust your monthly payout amount, term length, and eligibility start date.