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