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Income Protection

Income Protection Individual Disability Income Insurance provides highly flexible disability insurance, with options for both Accident & Sickness and Accident-Only coverage. It also features wide selections of benefit and elimination periods, in-demand riders like the Stay-at-Home Spouse Rider and consideration for multiple incomes.

Get the highlight sheet

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Product Highlights

Coverage Options: Accident & Sickness or Accident-Only
Issue Ages: 18-60, age last birthday as of issue date
Occupation Classes: 4A, 3A, 2A, 1A
Maximum Weekly Benefits: $50 - $1,000 weekly for self-employed or commissioned salesperson; $50 - $1,500 for W-2 employees
Benefit Periods: 13-week, 26-week, 1-year, 2-year
Elimination Periods: 0, 7, 14, 30, 60 or 90 days, depending on selected coverage and benefit period

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Target Markets

  • Gig workers and freelancers
  • Young Families
  • Families with a stay-at-home spouse
  • People searching for short-term disablity coverage

Underwriting made easy

Get underwriting decisions fast with a simplified application and fast policy issue. The application has no health questions plus a one-day guarantee for qualified e-apps.

Underwriting Classes

  • Male/Female; unismoke

No medical exams