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Product Advantages

The Disability Income Choice Portfolio gives you a single platform of products, riders and underwriting programs you can use to tailor income protection solutions for Individuals

Portfolio Products

Guaranteed renewable with benefit flexibility and affordable premiums designed to help you meet the needs of middle income consumers, whether sold individually or as part of an employer benefits program:

  • Accident Only Disability
  • Short-Term Disability
  • Long-Term Disability

Benefit Riders

Riders help you include specific coverage that is important to your client. There are several riders at no additional cost.

Options vary by state

 
Accident Only
Disability
Short-Term
Disability
Long-Term
Disability
Issue Ages

18-61

18-61

18-61
Renewability*

Guaranteed renewable
to age 67

Guaranteed renewable
to age 67

Conditionally renewable
to age 75

Guaranteed renewable
to age 67

Conditionally renewable
to age 75
Maximum Monthly Benefit

$5,000

$5,000

$12,000
Elimination Period

0, 7, 14, 30, 60 or 90 days

30, 60 or 90 days

60, 90, 180 or 365 days
Benefit Period

3, 6, 12, or 24 months

3, 6, 12 or 24 months

2, 5, 10 years or to age 67
Base Benefits
  • Total/Partial Disability
  • Presumptive Total Disability
  • Survivor
  • Waiver of Premium
  • Recurrent Disability
  • Workers’ Compensation Rider (Individual DI only)
  • Total/Partial Disability
  • Presumptive Total Disability
  • Transplant Donor
  • Terminal Illness
  • Survivor
  • Rehabilitation
  • Waiver of Premium
  • Recurrent Disability
  • Workers’ Compensation Rider (Individual DI only)
  • Total Disability
  • Proportionate Disability
  • Presumptive Total Disability
  • Transplant Donor
  • Terminal Illness
  • Survivor
  • Rehabilitation
  • Waiver of Premium
  • Recurrent Disability
Optional Benefits
  • Accident Hospital Confinement
  • Accident Medical Expense
  • Hospital Confinement
  • Critical Illness
  • Return of Premium (Individual DI only)
  • Accident Medical Expense
  • Hospital Confinement
  • Critical Illness
  • Return of Premium (Individual DI only)
  • Social Insurance Supplement
  • Extended Own Occupation
  • Future Insurability Option
  • Extended Proportionate Disability
  • Cost-of-Living Adjustment
  • Accident Medical Expense

* Guaranteed renewable as long as premiums are paid; conditionally renewable as long as client maintains full-time employment and premiums are paid. Note: Elimination and/or benefit period may vary by state. Features and riders may not be available with all policies or approved in all states.

Premium Discounts

These programs help add even more value for your clients.

Rules apply for each premium savings program. Programs may not be available in all states and percentages may vary by state.

Qualifying Associations

 15 percent

Self-Employed Clients

 15 percent

Life + DI Policies

 10 percent on the disability insurance policy

Common Employer

 15 percent

Business Owner Upgrade

 Offered at one occupation class higher
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