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Product Highlights:

Issue Ages:

18 through 60

Occupational Classes:

4A, 3A, 2A, 1A

Maximum Issue Limits:

4A and 3A: $9,000 2A: $7,500 1A: $6,000 (Higher limits available for classes 4A and 3A subject to reinsurance availability.)

Elimination Periods:

30, 60, 90, 180 and 365 days

Benefit Periods:

Classes 4A and 3A: 1-, 2-, 5-, 10-year, to-age-65 and to-age-67

Class 2A: 1-, 2-, 5-, 10-year, to-age-65, and to-age-67
if —

Self-employed: Under age 56 and working in AND owning the same business for the last two years with annual net income of at least $40,000 for each of the last two years, (provide last two years tax returns) OR—

W-2 Employee: Under age 56, with annual income of at least $40,000 for each of the last two years, (provide last two years W-2s)

Class 1A: 1-, 2- and 5-year

Renewability:

Guaranteed renewable to age 65 or 67, depending on benefit period selected

Features:

2-year Own occupation definition
Non-tobacco rates for no use in last 12 months
One-occ Upgrade for most self-employed business owners
Partial Disability Benefit
Presumptive Disability Benefit
Home Modification Benefit
Survivor Benefit
Vocational Rehabilitation Benefit
Organ Donor Benefit
Waiver of Premium
15% Discount for 3 or more issued apps

Optional Riders:

Automatic Benefit Increase Rider
Catastrophic Disability Benefit Rider
Critical Illness Benefit Rider
Guaranteed Insurability Rider
Non-Cancelable Rider
Own Occupation Rider
Residual Disability Benefit Rider
Retroactive Injury Benefit Rider
Return of Premium Benefit Rider
Supplemental Disability Income Rider

Payment Modes:

Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal and credit card (recurring only)