DInamic Cornerstone Income Protection

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	06/09/2026	Click Here
Advisor Use Only	Multi-Carrier Underwriting Guide	06/10/2026	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