Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods: to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods: 30, 60, 90, 180, 365, 730
Optional riders: residual , catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
Coverage for public employees
High risk occupations
Occupations working from home
Professional athletes and entertainers
Simplified and guaranteed issue underwriting available
Coverage for previously declined cases
Simplified underwriting available