Key Features

• Issue ages 18 through 60, age nearest birthday

• Elimination periods of 30, 60, 90, 180 or 365 days

• Benefit periods of 1 year, 2 years, 5 years, 10 years, to-age-65 or to-age-67

• No income verification up to $6,000, $4,000 for self-employed or 1099 employees

• No medical exams for benefit amounts up to $8,000 for ages 18-50, and up to $6,000 for ages 51-60

• Guaranteed renewable to age 65 or 67, conditionally renewable to age 75

• Two-year own occupation definition

• Expand coverage with the optional Return of Premium Rider and more