Flexible long-term DI with four policy disability definitions options, range of benefit and elimination periods, modern rider suite, and a streamlined underwriting process.
Issue ages 18 through 64 and monthly benefits up to $30,000
Flexible definition options: True Own Occupation or Own Occupation and Not Working. Can apply for the entire benefit period or for two years then any gainful occupation
Accident & Sickness or Accident-Only coverage
Guaranteed renewable to age 67; conditionally renewable for life
Benefit periods from 1 to 10 years, or to age 65, 67 or 70
Elimination Periods from 30 to 730 days*
No medical exams up to $8,000/mo. for ages 18-50 and up to $6,000 for ages 51-64
No income verification up to $6,000; $4,000 for self-employed or 1099 employees
Modern rider suite includes Enhanced Residual Disability Rider and Mental Disorder Rider
