We believe that you should have the best protection possible. That’s why we’ve built in benefits that others would have you buy as added cost options. These include:
Benefits for Partial Disabilities: Not every disability results in a complete inability to work and earn an income. If after 14 days of total disability you are able to return to work part-time, you may qualify to receive a portion of your monthly benefit.
Inflation Protection: Until age 55, every June 1st you will be given the option to increase your coverage by up to 10% of your original face amount, within limits, without providing evidence of your continued good health.
Death Benefit: In the event of your death, an amount equal to 3 times Maximum Monthly benefit will be payable and is not dependent on disability.
Benefits begin after 2 weeks: Our plan offers one of the shortest Waiting Periods available. You will be eligible to receive benefits after only 14 days of your continuous total disability.