Disability Income
Insurance
Life-style
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.
