DInamic Cornerstone Income Protection

Individual Disability Income Insurance
Two plan options available and both pay a monthly benefit for a covered disability that results from a sickness or injury.

Occupational Classes:

Noncancelable (NC)

  • Non-medical: 6A, 5A, 4A, 3A, 2A
  • Medical: 6M, 5M, 4M, 4P, 4D, 3M, 2M

Guaranteed Renewable (GR)

  • Non-medical: 6A, 5A, 4A, 3A, 2A, A, B
  • Medical: 6M, 5M, 4M, 4P, 4D, 3M, 2M, M

Issue Ages: 18-64

Minimum Benefit: $500 monthly

Maximum Benefit: $30,000 monthly

Benefit Period  Elimination Period
To age 65/67  90, 180, 365, 730 days
Ten-year  90, 180, 365, 730 days
Five-year  30, 60, 90, 180, 365 days
Two-year 30, 60, 90, 180 days
One-year*  30, 60, 90 days

* One-year benefit period is only available on the GR policy. For Issue ages 61-64, a one-year benefit period and either a 60-day or 90-day elimination period is available.

Sales Tools

AudienceDocumentUpdatedLink
Consumer UseCompany Overview Brochure07/22/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseWhat to Expect – DI Underwriting Consumer Flyer06/22/2026DI 2054Click Here
Consumer UseDigital Consumer Brochure06/22/2026DI 1979Click Here
Consumer UseFinancial Strength Highlights07/22/2026HC 1449Click Here
Advisor Use OnlyUnderwriting Guidelines – U.S. Residents Who are ot U.S. citizens07/22/2026LI-2581Click Here
Advisor Use OnlyGlobal Traveler Underwriting Guidelines07/22/2026LI-2582Click Here
Advisor Use OnlyAdvisor Guide06/22/2026DI 1984Click Here
Advisor Use OnlyState Approval Grid06/22/2026DI 1977Click Here
Advisor Use OnlySummary of DInamic Cornerstone Policies Brochure06/22/2026DI 2012Click Here
Advisor Use OnlyCost Saving Opportunities Advisor Flyer06/22/2026DI 2007Click Here
Advisor Use OnlySpecimen Policy (Noncancellable)06/22/2026DI 1999Click Here
Advisor Use OnlySpecimen Policy (Guaranteed Renewable)06/22/2026DI 2000Click Here

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