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Mutual Income SolutionsSM Underwriting

Our goal is to provide the best possible offer of disability income insurance to help protect your client’s income. Each case is carefully evaluated based on three underwriting criteria:
  • Occupation
    Depending on your client’s job duties, we’ll designate an occupation risk class.
  • Health
    A health interview and medical tests may be required depending on the benefits applied for.
  • Income
    Financial underwriting determines your client’s income in order to set the policy’s maximum monthly benefit.

Eligibility

Accident and Sickness
Injury and Sickness
  • Age 18-61
  • Working 30+ hours per week
  • Annual income of at least $15,000
  • Self-employed individuals who have been in business for at least 2 years
  • Employees who have been with their current employer for at least 3 months
Accident only
Injury only
  • Age 18-61
  • Working 30+ hours per week
  • Annual income of at least $15,000
  • Maximum Benefit based on Occupation Class
  • Self-employed individuals who have been in business for at least 2 years
  • Employees who have been with their current employer for at least 3 months

Underwriting Programs

  • Simplified up to $5,000 monthly - Accident Only
  • Simplified up to $5,000 monthly - Injury Only
  • Simplified up to $6,000 monthly – Accident and Sickness
  • Simplified up to $6,000 monthly - Injury and Sickness
  • Fully Underwritten $6,001+ – Accident and Sickness
  • Fully Underwritten, $6,001+ - Injury and Sickness

View Mutual Income Solutions Product Details

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Disability Income Choice Portfolio® Underwriting

Our goal is to provide the best possible offer of disability income insurance to help protect your client’s income. Each case is carefully evaluated based on three underwriting criteria:
  • Occupation
    Depending on your client’s job duties, we’ll designate an occupation risk class.
  • Health
    A health interview and medical tests may be required depending on the benefits applied for.
  • Income
    Financial underwriting determines your client’s income in order to set the policy’s maximum monthly benefit.

Eligibility

Individuals
  • Working 30+ hours per week
  • Issue ages 18-61
  • Annual income of at least $15,000

Underwriting Programs

  • Simplified up to $6,000 monthly benefit - Individual Accident only, Short-Term
  • Fully underwritten - Individual Accident only, Short-Term, Long-Term
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