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Product Highlights:

Issue Ages:

18 through 60 (age nearest birthday)

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 (all ages, all classes)

Benefit Periods:

Classes 4A and 3A: 1, 2 and 5 year and To Age 65

Class 2A: 1, 2 and 5 year and To Age 65, 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 gross 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

Features:

Own occupation definition of total disability (first 24 mos.)
Partial Disability Benefit
Non-tobacco rates for no use in last 12 months
Presumptive Disability Benefit
Waiver of Premium Benefit
$1,000 Home Modification Benefit
Rehabilitation Benefit
Survivor Benefit

Optional Riders:

Critical Illness Rider: Pays 100 percent lump-sum benefit if the insured has a first-ever diagnosis of a covered illness—including a heart attack, stroke or invasive cancer. The insured can receive a benefit within three critical illness categories.

Supplemental Disability Income Rider
Automatic Benefit Increase Rider
Return of Premium Rider
Non-cancelable Rider
Five-year Own Occupation Rider
Retroactive Injury Benefit Rider
Catastrophic Disability Rider
Residual Benefit Rider
Guaranteed Insurability Rider
Hospital Benefit Rider