• Superior protection: Most personally owned insurance plans offer superior contractual benefits. This is especially true when compared to a typical group disability benefit.
• Custom tailored coverage: Personally owned insurance can be designed to meet your unique needs.
• Coverage follows you: Unlike group insurance, personally owned insurance does not cancel if you move employers. If your insurability changes, you do not risk losing your coverage.
• You can buy lifetime coverage: Many personally owned insurance policies offer benefits well beyond retirement age or for life. You can purchase benefits that best suit your lifetime needs for protection.
• Your coverage cannot be cancelled or modified: Most personally owned insurance guarantees your protection will not be cancelled or modified by the insurer. You can also buy policies that guarantee that your rates will never increase.