Individual Disability Income

Renewability: Guaranteed Renewable to Age 65 or 67 (depending on benefit period selected)

Occupational Classes: 4A, 3A, 2A, 1A

Issue Ages: 18-60 (Age Nearest Birthday)

Non-Med up to $20,000

Elimination Period: 30, 60, 90, 180 or 365 Days

Benefit Period: 1 Year, 2 Year, 5 Year, 10 Year, To age 65, To age 67

Basic Policy Provisions: 2 Year Own Occupation Definition, Partial Disability Benefit, Presumptive Disability Benefit, Home Modification Benefit, Survivor Benefit, Vocational Rehabilitation Benefit, Organ Donor Benefit, Waiver of Premium

Riders Available: Automatic Benefit Increase Rider, Catastrophic Disability Benefit Rider, Critical Illness Benefit Rider, Guaranteed Insurability Rider, Non-Cancelable Rider, Own Occupation Rider, Residual Disability Benefit Rider, Retroactive Injury Benefit Rider, Return of Premium Benefit Rider, Supplemental Disability Income Rider