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Graded Benefit Disability Income is an individual guaranteed-renewable disability income policy with a traditional definition of disability and graded benefit. Monthly benefits for the duration of a disability beginning in the first policy year will be 35 percent of the non-graded monthly benefit. For the duration of a disability beginning in the second policy year, the monthly benefit will be 70 percent of the non-graded monthly benefit. The non-graded monthly benefit will be paid for total disabilities beginning in the third policy year and thereafter.

Product Highlights:
Issue Ages:	18 through 60 (age nearest birthday)
Occupational Classes:	4A, 3A, 2A, 1A
Maximum Issue Limits:	4A and 3A: $11,000; 2A: $7,500; 1A: $6,000
Elimination Periods:	30 (2-year benefit period only), 60, 90, 180 or 365 days (5- and 10-year benefit periods only)
Benefit Periods:	Classes 4A and 3A: 2, 5 and 10 years; Class 2A: 2 and 5 years; Class 1A: 2 years
Renewability:	Guaranteed renewable to age 65
Features:	Vocational Rehab: Up to 6 x base monthly benefit; Survivor Benefit: Lump sum – 6 x monthly benefit paid when insured is disabled 12 months before death
Optional Riders:	Supplemental DI/Graded Benefit Rider/Five-year Own Occupation Rider/Non-graded Injury Rider
Payment Modes:	Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal and credit card (recurring only)