Disability Income insurance offers lifestyle protection for both you and your family.

People work hard to afford what they enjoy in life and to pay their continuing expenses, such as food, clothing, shelter, utilities, insurance premiums and entertainment.  Their ability to earn an income is their most valuable asset.  If that ability is interrupted because of an accident or sickness, they may find it difficult to maintain their standard of living and impossible to plan for the future.  Unfortunately, the chance of a disabling accident or sickness is greater than most people think.

• 1 out of 4 workers, age 35-65, will be disabled for 90 days.*

• Disability is the cause of nearly 50% of all home foreclosures*

• Before age 65, if a disability lasts 90 days, it is expected to last an average of 2-1/2 years.**

• 80% of U.S. workers will exhaust their savings in only two months without the ability to earn an income.**

* National Association of Life Underwriters

** Commissioner's Disability Table

The Disability Income policies we offer WILL provide money to replace loss of earned income while totally disabled from sickness or an accident.

• Worldwide, 24 hour a day coverage while on or off the job.

• Benefit period of 2 years, 5 years, or to age 65.

• Waiting periods (the number of days before benefits begin) are 30, 60, 90, or 180 days.

• Coverage is guaranteed renewable to age 65.

• Premium rates can be changed on a class basis only.  Any change will apply to all policies of this type and having a common policy form number.

• A non-smoker discount is given to those who have not smoked cigarettes for 12 months or more.

• Premiums are waived retroactively after 90 consecutive days of total disability.

• First Day Disability Income Benefit may be added to provide a daily income while hospital confined.

• An optional Accidental Death and Dismemberment Benefit may be added for any amount from $10,000 to $100,000.

• A Partial Disability Benefit is included at no additional premium.  Partial disability must follow a period of total disability for which benefits were paid.  The Partial Disability Benefit equals one half the monthly benefit paid while totally disabled, for up to six months or until the end of the benefit period, whichever is less.

NOTE: Coverages or discounts may not apply in all states.  Some exclusions and limitations may apply.

Our products are among the best in the industry.  We pride ourselves in providing high-quality, fairly priced life insurance, disability income, long-term care and annuity programs.