Product continues retirement contributions in the event of a disability. Funds are invested into a trust that is distributed at retirement age.

Coverage available up to actual contribution to a 401 k, qualified retirement plan, or 15% of income if no plan is in place.

Maximum coverage: $4225 per month

Benefit period: age 65, or 67

Elimination periods: 180, and 365 day

Riders: automatic increase and cost of living