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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 | Small business employers | Small business employees

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
  • Business Overhead Expense (BOE)*

* Pays business operating expenses when the owner becomes disabled and unable to work due to injury or illness.

Benefit Riders

Riders help you include specific coverage that is important to your client.  There are several riders at no additional cost. The product portfolio has nine base and eleven optional benefit riders available.

Underwriting Programs

For multi-life situations, you can offer products as employer-paid, employee-paid (voluntary) or a combination of both.  Three underwriting programs give you flexibility to meet employer needs:

  • Guaranteed Standard Issue (GSI)
  • Express Standard Issue (ESI)
  • Fully Underwritten

Tax Advantages Flyer

 
Accident Only
Disability
Short-Term
Disability
Long-Term
Disability
Business Overhead Expense
Issue Ages

18-61

18-61

(Multi-life: 18-70)

18-61

(Multi-life: ages 62-70, two-year benefit period only)

20-59

Renewability*

Guaranteed renewable
to age 67

Guaranteed renewable
to age 67

Conditionally renewable
to age 75

(Multi-life: lifetime conditionally renewable)

Guaranteed renewable
to age 67

Conditionally renewable
to age 75

(Multi-life: lifetime conditionally renewable)

Guaranteed renewable
to age 65

Maximum Monthly Benefit

$5,000

$5,000

$12,000

$20,000

Elimination Period

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

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

60, 90, 180 or 365 days

30, 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

12 or 18 months

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. Business Overhead Expense product not available in Maryland and Utah.

DI Choice Portfolio

Portfolio Overview

Compare products in the DI Choice portfolio

Order a printed copy through normal channels

Premium Savings

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

GSI underwriting (Multi-life)

15-25 percent, based on group size

ESI underwriting (Multi-life)

10-20 percent, based on group size

Fully underwritten (Multi-life)

20 percent

Business Owner Upgrade

Offered at one occupation class higher
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