Individual Disability Income Insurance

An Individual Disability Income (DI) insurance policy helps protect your most valuable asset - your ability to work and earn an income - if you become too sick or hurt to work.

The policy is non-cancelable and has guaranteed premium rates to age 65.

Tax-free benefits when premium is paid with after-tax dollars.

Your policy provides a monthly benefit if you become totally disabled.

If you are disabled under the terms of the policy, you begin receiving benefits one month after the elimination period is satisfied.  If you remain disabled, benefits are provided through your benefit period, which is the length of time you can receive benefits if you are disabled under the terms of the policy.


No Cost Riders Available:

Benefit Update
Capital Sum Benefit
Future Benefit Increase
Presumptive Disability
Supplemental Health Benefit


Cost Riders Available:

Catastrophic Disability Benefit
Cost of Living Adjustment (COLA)
Extended Total Disabilty Benefit
Regular Occupation
Residual Disability and Recover Benefit
Short-Term Residual Disability Benefit
Transistional Occupation


For a complete description of Riders and their benefits, please contact us.

Disability insurance has exclusions and limitations.  For costs and complete details of the coverage, contact your financial professional.