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
| Audience | Document | Updated | Link |
|---|---|---|---|
| Consumer Use | Company Overview Brochure | 10/21/2025 | Click Here |
| Advisor Use Only | Forms | 11/20/2025 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 03/10/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | What to Expect – DI Underwriting Consumer Flyer | 08/25/2025 | DI 2054 | Click Here |
| Consumer Use | Digital Consumer Brochure | 08/25/2025 | DI 1979 | Click Here |
| Consumer Use | Own Occupation Definition of Total Disability | 08/25/2025 | DI 2034 | Click Here |
| Advisor Use Only | Underwriting Guidelines – U.S. Residents Who are ot U.S. citizens | 10/21/2025 | LI-2581 | Click Here |
| Advisor Use Only | Global Traveler Underwriting Guidelines | 10/21/2025 | LI-2582 | Click Here |
| Advisor Use Only | Advisor Guide | 08/25/2025 | DI 1984 | Click Here |
| Advisor Use Only | State Approval Grid | 08/25/2025 | DI 1977 | Click Here |
| Advisor Use Only | Summary of DInamic Cornerstone Policies Brochure | 08/25/2025 | DI 2012 | Click Here |
| Advisor Use Only | Cost Saving Opportunities Advisor Flyer | 08/25/2025 | DI 2007 | Click Here |
| Advisor Use Only | Specimen Policy (Noncancellable) | 08/25/2025 | DI 1999 | Click Here |
| Advisor Use Only | Specimen Policy (Guaranteed Renewable) | 08/25/2025 | DI 2000 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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