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Issue ages 18 through 60, age last birthday
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Up to $20,000 maximum monthly benefit, based on occupation class
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Elimination periods of 30, 60, 90, 180 or 365 days
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Benefit periods of 2, 5 or 10 years
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Guaranteed renewable to age 65, conditionally renewable to age 70
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Automatic consideration for GBDI when declined for another disability product
