Highlights and Policy Features

MetroDI represents many of the most competitive disability income carriers, which allows us to pick the best product for your client. Our disability income specialists will review pertinent information including medical and financial history as well as occupational duties, and will provide multiple quotes from the following carriers to assure your client is getting the best product.

Ameritas Life

  • Competitive product for teachers and government employees
  • EZ application process simplifies underwriting up to $5,000 per month
  • Individual DI available up to age 64
  • Competitively priced guaranteed renewable product for many gray collar occupations
  • Cobra and non-disabling benefits built into contract

Assurity Life 

  • Competitive price and products for the blue collar market
  • Competitive critical illness policy
  • Coverage available for law enforcement and firefighters
  • Return of premium available

Fidelity Security Life (Risk Insurance)

  • Will insure most medical conditions including many which have previously been declined elsewhere
  • Fast and easy underwriting
  • Graded benefit policy with a five year benefit available to most occupations

Petersen International (Lloyds of London)

  • High limit coverage above usual issue participation limits
  • Coverage for pilots, professional athletes, and high profile people
  • Key Person replacement and buy-out available for unusual situations

Principal Financial Group

  • Comprehensive disability insurance portfolio offering coverage for personal, business and employee benefit needs
  • Easy to set-up 20% Multi-Life Discount (no employer involvement is required)
  • Competitive premiums - especially for females when using the Multi-Life Discount (with unisex rates)
  • Attractive offering for a variety of professionals, including medical occupations, attorneys, business owners, CPAs and more
  • Policies kept up-to-date with changing needs with no evidence of medical insurability though the  no cost Benefit Update Rider

The Standard

  • Competitively priced for business owners with aggressive business owner savings
  • Competitive guarantee issue offers   ­
  • Family Care Benefit® built into IDI product
  • No limitation for Mental Disorder/Substance Abuse
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