Noncancelable and Guaranteed Renewable

Individual Disability Income Insurance
Conditionally Renewable for Life

Occupational Classes:

• Non-Medical Occupations: 6A, 5A, 4A, 3A and 2A
• Medical Occupations: 6M, 5M, 4M, 3M and 2M

Issue Ages: 18-64 (Age Last Birthday)
Non-Med up to $3,000
Elimination Period: 30, 60, 90, 180, 365 or 730 Days
Benefit Period: 1 Year, 2 Year, 5 Year, 10 Year, To Age 65, To Age 67 or To Age 70
Basic Policy Provisions: Nondisabling Injury Benefit, Good Health Benefit, Presumptive Total Disability Benefit, Surgical Transplant Benefit, Cosmetic Surgery Benefit, Survivor Benefit, COBRA Premium Benefit, Waiver of Premium
Riders Available: Enhanced Residual Disability Rider, Basic Residual Disability Rider, Cost of Living Adjustment Rider, Social Insurance Substitute Rider, Future Increase Option Rider, Catastrophic Disability Rider, Automatic Increase Rider
Special Features: The occasional use of a cigar (12 times per year or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine/nicotine.

Guaranteed Renewable

Individual Disability Income Insurance
Conditionally Renewable for Life
Occupational Classes:

• Non-Medical Occupations: 6A, 5A, 4A, 3A, 2A, A and B
• Medical Occupations: 6M, 5M, 4M, 3M, 2M and M

Issue Ages: 18-64 (18-60 occupational classes A, B and M) (Age Last Birthday)
Non-Med up to $3,000
Elimination Period: 30, 60, 90, 180, 365 or 730 Days
Benefit Period: 1 Year, 2 Year, 5 Year, 10 Year, To Age 65, To Age 67 or To Age 70
Basic Policy Provisions: Nondisabling Injury Benefit, Good Health Benefit, Presumptive Total Disability Benefit, Surgical Transplant Benefit, Cosmetic Surgery Benefit, Survivor Benefit, COBRA Premium Benefit, Partial Disability Benefit, Waiver of Premium
Riders Available: Enhanced Residual Disability Rider, Basic Residual Disability Rider, Cost of Living Adjustment Rider, Social Insurance Substitute Rider, Future Increase Option Rider, Catastrophic Disability Rider, Automatic Increase Rider
Special Features: The occasional use of a cigar (12 times per year or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine/nicotine.

Business Overhead Expense

Business Expense Disability Income Insurance
Conditionally Renewable for Life
Occupational Classes:

• Non-Medical Occupations: 6A, 5A, 4A and 3A and 2A
• Medical Occupations: 6M, 5M, 4M 3M and 2M

Issue Ages: 18-64 (Age Last Birthday)
Non-Med up to $3,000
Elimination Period: 30, 60 or 90 Days
Benefit Period: 12 Months, 18 Months or 24 Months
Basic Policy Provisions: Partial Disability Benefit, Recovery Benefit, Waiver of Premium, Presumptive Total Disability, Surgical Transplant, Good Health Benefit, Benefit Continuation after Death
Riders Available: Substitute Salary Expense Rider, Future Increase Option Rider
Special Features: The occasional use of a cigar (12 times per year or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine/nicotine.