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Product Highlights:
Issue Ages:	18 through 59 (age last birthday)
Rates:	Male/female, tobacco/non-tobacco; Age bands: 18 through 39, 40 through 49, and 50 through 59
Monthly Benefits:	$300 – $2,500 (maximum 60 percent of monthly income). Benefits will be reduced dollar for dollar up to 50 percent by the amount of social insurance (Social Security Disability, Workers’ Compensation, Government Disability and Railroad Retirement and Disability)
Benefit Periods:	6 months, 1 or 2 years
Elimination Periods:	30, 60, 90 or 180 consecutive days
Renewability:	Guaranteed renewable to age 65
Employment Requirement:	30 hours per week
Simplified Underwriting:	MIB and prescription drug check on all cases. Telephone inspections for applicants age 30 and above with monthly benefit amounts of $2,001+. APS only as needed by underwriting.
Definition of Total Disability:	An illness or injury which keeps insured from doing the substantial and material duties of his or her own occupation.
Partial Disability:	Pays 50 percent of the benefit (up to six months) when insured returns to work part time (20 hours a week or less) following a period of total disability when benefits are paid.
Pregnancy/Maternity:	A normal pregnancy is not considered a total disability. However, a total disability resulting from conditions medically classified as “complications of pregnancy” is covered. See policy for complete details.
Pre-Existing Condition:	If total disability begins within 12 months of the issue date as the result of a pre-existing condition not disclosed on the application, benefits are not payable.
Occupational Classes:	Class I: Professional/office occupations…may have activities that involve laboratory, technical, supervisory or service work: biologist, accountant, sales clerk, clergy, horticulturist, pharmacist, architect, etc. Class II: Skilled and unskilled manual occupations…may involve operating machines, heavy manual labor and risks of accidents: electrician, plumber, farmer, roofer, painter, crane operator, furniture mover, beautician, custodian, auto mechanic, etc.
Waiver of Premium: (no additional premium)	Premiums are waived after insured has been totally disabled for 90 days (or after the elimination period if longer).
Optional Riders: (for additional premium)	Critical Illness Benefit Rider: Pays 100 percent of a lump-sum benefit ($5,000 or $10,000) if the insured has a first-ever diagnosis of a covered illness – including a heart attack, stroke or invasive cancer. Multiple benefit payment possible if insured has a heart attack or stroke and then has a cancer diagnosis…or vice versa (diagnoses must be separated by 180 days). A non-invasive cancer diagnosis pays 25 percent of the benefit. Retroactive Injury Benefit Rider: Pays benefits from day one when a total disability is the result of an injury – effectively removes the elimination period for a total disability due to an injury. Return of Premium Benefit Rider (issue ages 18 through 55): 100 percent of premiums paid (less any benefits received) are returned when the policy expires at age 67. If terminated before then, a percentage of premiums paid (less any benefits received) are returned (see table in contract).
Payment Modes:	Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal and credit card (recurring only)