- Targets the professional, white-collar
market (Occupation Classes 5AP-2A)
- NonCancellable and Guaranteed Renewable
for entire coverage period,
- Conditionally
Renewable for life
- Up to six definitions of total
disability**
- Up to five benefit periods and six waiting
periods**
- Three Residual/Partial Disability Riders,
Cost of Living Adjustment, Future Increase Option,
Catastrophic Disability, Social Insurance Substitute and Automatic
Increase Riders**
- Built In Features NonDisabling Injury,
Good Health (N/A in NY), Presumptive Total
Disability, Survivor, Surgical Transplant, Rehabilitation and Waiver of
Premium benefits
- Competitive Pricing
Multi-Life, Association, Big Case and Double Annual (N/A in NY)
discounts
Sex-distinct and unisex rates
Level and Step Rate Premiums (Step Rate N/A in CA)
- Business Owner Matrix Certain business
owners may be eligible for a one class upgrade
(from Occupational Classes 2A through 5A) and an additional $500 of
monthly benefit if
they meet specified criteria.
- Up to $15,000 Maximum Issue Limit**
- Up to $25,000 Maximum Participation
Limit**
|
- Targets the blue collar market,
individuals with manual duties (Occupational Classes A&B)
- Guaranteed Renewable to Age 65,
Conditionally Renewable for life
- Up to three benefit periods and five
waiting periods**
- Partial and Social Insurance Substitute
Riders**
- Built-In Features NonDisabling Injury,
Good Health (N/A in NY), Presumptive Total
Disability, Survivor, Surgical Transplant, Rehabilitation and Waiver of
Premium benefits
- Competitive Pricing
Multi-Life and Double Annual (N/A in NY) discounts
Sex-distinct and unisex rates
- Business Owner Matrix Certain business
owners may be eligible for a one class upgrade
(Occupational Class A only) and an additional $500 of monthly benefit if
they meet
specified criteria.
- Up to $6000 Maximum Issue and
Participation Limits**
|
- Targets small business owners operating
from a location away from home.
- Reimbursement contract for eligible
overhead expenses
- NonCancellable and Guaranteed Renewable to
Age 65, Conditionally Renewable for life
- Own Occupation for entire benefit period
- Up to three benefit periods and three
waiting periods
- Built-in Partial disability and recovery
benefits
- Future Increase Option and Salary
Substitute Expense Riders
- Built-In Features Good Health (N/A in
NY), Presumptive Total Disability, Benefit
Continuation After Death, Surgical Transplant, Rehabilitation,
Accumulation and
Extension of Benefits and Waiver of Premium benefits.
- Competitive Pricing
Multi-Life, Association and Double Annual (N/A in NY) discounts
Sex-distinct and unisex rates
All physicians, regardless of specialty, qualify for 5AP, our top
occupational class,
which results in our lowest premiums
- Up to $30,000 Maximum Issue and
Participation Limits**
|
