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Products
We will provide you with the products that best match your client’s needs, and then guide your case through the underwriting process quickly and efficiently.
Take a look at what we can do for you and your clients.
Guiding you through every step of the sales cycle, you’ll receive unwavering support.
Individual Disability Income
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Business Overhead Expense
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Business Loan Protection
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Disability Buy-Out
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Retirement Income Replacement
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Key Person Disability Insurance
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Impaired Risk
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Specialty Coverage
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available
Guaranteed and Simplified Issue Plans
Replaces income in the event a person is sick or hurt and unable to work.
Definitions include true own occupation, transitional occupation & modified own occupation.
Benefit periods:
to age 70, 67, 65, 10 years, 5 years, 24 months
Elimination periods:
30, 60, 90, 180, 365, 730
Optional riders:
residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners.
- Coverage for public employees
- High-risk occupations
- Occupations working from home
- Professional athletes and entertainers
- Simplified and guaranteed issue underwriting available
- Coverage for previously declined cases
- Simplified underwriting available