Intended Markets
| - Individual cases that are not employer sponsored or association plans for "white collar" executives, business owners or upper income earners.
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Occupational Classes
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Issue Ages
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Elimination Periods*
| - 30, 60, 90, 180, and 365 days
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Maximum Issue Limits
| Occ. Class Issue Age Maximum Indemnity Amt.
6,5,4 Through age 55* $15,000**
6,5,4 Age 56-60* $15,000 ($10,000 in CA & FL)**
4P,3 Through age 60* $10,000**
2,1^ Through age 60* $7,500
6,5,4,4P Ages 61 through 64^# $10,000 ~
*Age last birthday
**See special limits for classes 6,5,4,4P and 4
^Available in Employer Sponsored Plans only. Class 1 not available in CA or FL
#Age nearest birthday
~See Maximum Issue Limits |
Benefit Periods
| - Occupational classes 6,5,4,4P and 3 - two years, five years, to age 65, or an optional graded lifetime extension for total disability that starts before age 65 and continues to the end of the benefit period.
- Occupational class 2 - two years and five years
- Occupational class 1 - two years
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Renewability
| - Non-cancellable and Guaranteed renewable
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Highlights*
| - True own occupation
- Lifetime benefits available
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Optional Riders*
| - Social Insurance Substitute Rider
- Residual
- Future Increase Option
- Cost of Living Adjustment
- Auto Increase Rider
- Group Disability Replacement Rider
- Unemployment Premium Waiver Option
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| *Benefits and Riders may vary by state and occupation |
