Disability Income Protection. Business. Keeping income strong
|
|
- Herbert Fox
- 8 years ago
- Views:
Transcription
1 Disability Income Protection Business P r o d u c t s Keeping income strong
2
3 Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider Plus Disability Insurance Key Features 4 ProVider Plus Optional Benefit Riders 10 Designing the Coverage You Need 13
4 Your income is your most valuable asset
5 Why You Need Insurance You insure your most valuable tangible assets: your home, auto and valuables. Do you insure your income? Your income is your most valuable asset one that makes owning your home and automobile possible. But have you considered that your income also determines your current standard of living and provides for your long-term financial goals? Unfortunately, it s all at risk if you cannot work as the result of a disability and disability is much more common than you think. That s why purchasing a disability income insurance policy to help protect your income is one of the most responsible decisions you ll ever make. Learn how a ProVider Plus disability insurance policy can protect your standard of living from the impact of a disability. 1
6 Some Perspective on risk Disability Could it happen to you? Most of us don t want to think about struggling financially in the event we weren t unable to work. Yet it s a possibility we all must consider, especially since disability is a common problem. Most people don t have adequate savings to support them for an extended period of time. 2
7 The Causes of Disability The Leading Causes of Disability * 90% Illness 10% Injury When you think disability, do you think accidents? If so, you re in for a surprise, because the leading sources of disability are muscle, back and joint problems; cancer; injuries and poisoning; heart disease; and mental disorders. Major Disablers % of New Claims* Musculoskeletal/ 27.5% Connective tissue Cancer 14.6% Injuries & poisoning 10.3% Cardiovascular 9.1% Mental disorders 9.1% Nervous system-related 6.9% * 2011 CDA Long-Term Disability Claims Review, Council for Disability Awareness. 3
8 key features Key features to look for in a high-quality disability income insurance policy It s important to understand how income protection policies work, and how they differ from company to company. Here are the key features to look for when you evaluate individual disability income policies: 1 Renewability provision maintaining your protection Key Difference Renewability provisions define your rights in maintaining your disability income protection. Look for a policy that is both non-cancellable and guaranteed renewable. When a policy is guaranteed renewable only, it will remain in force as long as you continue to pay for your policy on time, but the insurance company may increase your premium. When your policy is both non-cancellable and guaranteed renewable, as ProVider Plus is *, your policy will be renewed each year at a guaranteed locked-in premium as long as you pay your premium on a timely basis. * ProVider Plus is non-cancellable and guaranteed renewable to age 65 (or 67 with a To Age 67 benefit period), after which it is conditionally renewable for life, if you are gainfully employed full-time. That means that after this time, your premiums can change on an annual basis. ** A different definition of total disability applies to policies issued in California. Contact your agent or broker for complete details. 4
9 2 The policy s total disability definition the key factor in how valuable the policy will be to you during a disability Key Difference ProVider Plus offers you options so that you can choose the definition of total disability** that best serves your unique circumstances. The choice is made at the time that you initially purchase your policy. With our modified own-occupation definition of total disability, you will be eligible for total disability benefits when, solely due to injury or sickness, you are not able to perform the material and substantial duties of your occupation and you are not gainfully employed. Our true own-occupation definition of total disability makes it possible for you to work in another occupation and still be eligible for total disability benefits. Under this definition, you are considered totally disabled if, solely due to injury or sickness, you are not able to perform the material and substantial duties of your occupation, even if you are at work in another occupation. Medical and dental specialists will also appreciate our specialty language: If you have limited your occupation to the performance of the material and substantial duties of a single medical or dental specialty, we will consider that specialty to be your occupation under the true ownoccupation definition of disability. Compare disability income policies carefully before you buy. Many don t provide true own-occupation coverage or specialty language the way ProVider Plus does. Key Difference 5
10 6
11 key features 3 Built-in provisions that offer more protection and stronger coverage Key Difference Elimination Period Look for the best value in this common feature All policies have an Elimination Period (or Waiting Period) the period of time that must elapse before benefits become payable. With ProVider Plus, different periods of disability from the same or a different cause count toward the elimination period, provided they occur within a longer, corresponding accumulation period specified on the policy schedule page. Scenario $5,000 monthly benefit 90-day elimination period A heart attack disables you for two months Four months after you recover, you are disabled by an automobile accident In this scenario, the ProVider Plus policy will pay out $10,000 more in benefits and pay sooner than many other policies. MONTH* STATUS ProVider Plus other policies 1st-2nd Disabled Elimination Period Elimination Period 3rd-6th Recovery Not Disabled Not Disabled 7th Disabled Satisfy Elimination Period * The elimination period of a disability insurance policy may be referred to in days or months. The ProVider Plus elimination period is in days. For the purposes of this illustration, one month equals 30 days. 7 New Elimination Period Begins 8th Disabled $5,000 Elimination Period 9th Disabled $5,000 Satisfy Elimination Period 10th Disabled $5,000 $5,000
12 Key Difference To provide even more value, ProVider Plus includes a built-in waiver of elimination period. The elimination period will be waived for any subsequent disability related or unrelated to the original disabling condition that occurs within five years of the end of the previous disability. We do not require a new elimination period if your original disability lasted more than six months and we paid benefits for that disability. Key Difference Waiver of Premium Benefit A ProVider Plus advantage The last thing you should have to worry about during a disability is paying your policy premium. So when a disability occurs and benefits are paid, only ProVider Plus will Refund any premiums you have paid that apply to the period of disability, and Waive your premium for as long as you re disabled and receiving benefits in the same claim, and Continue to waive your premiums for six months following your recovery. 8
13 Key Difference A Choice of Five Benefit Periods The benefit period is the longest length of time you ll be paid monthly benefits for a disability from the same cause. With ProVider Plus, you can choose from 2, 5, and 10 years; To Age 65, and To Age 67 benefit periods. Generally, the shorter the benefit period, the lower the premium will be. Key Difference Convenient Payment Options With ProVider Plus, you can choose to have your monthly premium automatically deducted from your bank account without the built-in finance charges other companies might impose. Or you can make quarterly, semi-annual, or annual payments. Presumptive Total Disability Benefit Key Difference Extra protection when you need it most With the ProVider Plus Presumptive Total Disability Benefit, we ll consider you totally disabled if sickness or injury results in the total and complete loss of sight in both eyes, hearing in both ears, speech, use of both hands or feet, or lost use of one hand and one foot in their entirety. We ll also waive any unexpired part of the elimination period from the date of such loss. And, we ll pay your monthly benefit as long as your total disability continues. 9
14 optional benefit riders Personalize your policy with these optional benefit riders ProVider Plus offers comprehensive coverage plus the flexibility to customize your policy to the unique needs of your situation. Consider how valuable the ProVider Plus policy can be to you in the event that a disability limits your ability to replace your lost earnings while you recover or for the balance of your life. 10
15 If you want coverage for these situations To protect your income in the event that your ability to work is limited, or you return to work but not at your pre-disability level of income To help ensure that your benefit keeps pace with inflation To increase your benefits as your income grows regardless of any changes to your health To receive extra protection from the financial impact of severe disabilities resulting in cognitive impairment, the loss of two or more Activities of Daily Living, or irrecoverable loss of sight, hearing, speech or use of limbs To help ensure your ability to save for retirement in the event you become disabled To ensure disability coverage beyond your normal retirement age To help offset missed wealth accumulation opportunities from a period of disability Ask your insurance professional about this extra coverage Residual Disability Benefits Rider* Cost of Living Adjustment Rider three options to protect against rising costs Future Increase Option Rider Catastrophic Disability Benefit Rider includes an automatic annual compounded 3% increase Retirement Protection Plus (RPP) Disability Benefit Rider** Graded Lifetime Indemnity for Total Disability Rider Lump Sum Disability Benefit Rider * The Residual Disability Benefit optional rider is available to occupation classes 6-3; 6M-3M. In California, it is called the Partial Disability Benefit Rider. This optional rider is not necessarily protection against increases in the cost of living. It is available to occupation classes 6-3, 6M-3M. Cost of Living Adjustment increases stop after age 65. Should your policy be renewed after that, you can retain the increase by paying then-current renewal rates. Subject to financial underwriting requirements based on your then-current income and disability insurance in force, for which you have applied, or which you are eligible to receive. ** Retirement Protection Plus is not a pension plan or a substitute for one. This optional rider is available to occupation classes 6-3; 6M-3M. It is not available in California. This rider provides an indemnity which decreases based on the age of the insured at the time of the start of a period of total disability. This optional rider is available to occupation classes 6-3; 6M-3M. Product availability, provisions, and features may vary from state to state. 11
16 12
17 Designing the coverage you need There are many factors to consider when designing the policy that is right for your particular situation. To make the best choices, it s important to understand the options when weighing value and cost and how you really want your policy to perform. Consider these things: _How much monthly benefit will I need? _ How soon will I need the benefits following the disability? _How long should benefits last? Do I want the policy to keep pace with increased earnings? Do I need to protect my retirement savings? Should I consider a catastrophic disability? 13
18 Protect your most valuable asset and safeguard your lifestyle by choosing ProVider Plus. Contact your licensed insurance representative to find out how a customized ProVider Plus policy can protect your future. 14
19
20 Disability income insurance policy form 1400, 1500 and 1600 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Product availability, provisions, and features may vary from state to state. This policy provides disability insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. For policy forms 1400, 1500, or 1600, the expected benefit ratio is 50% (including NY 1400). For policy forms 1400-F, 1500-F, or 1600 F, the expected benefit ratio is 60% (NY only). The expected benefit ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with these policy forms respectively. This publication is provided for informational purposes only and should not be considered tax or legal advice. Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits. You should consult with your own independent tax and legal advisors regarding your particular set of facts and circumstances. The information provided is not intended or written to be used, and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions. Berkshire Life Insurance Company of America 2011 All Rights Reserved. The Guardian Life Insurance Company of America 7 Hanover Square New York, NY Pub4228BL (12-11)
Keep Your Future on Course Protect Your Most Valuable Asset
Keep Your Future on Course Protect Your Most Valuable Asset Disability Income PROTECTION Contents Your Most Valuable Asset 1 Disability Could it Happen to You? 2 The Leading Causes of Disability 3 ProVider
More informationProVider Plus Individual Disability Income Insurance
ProVider Plus Individual Disability Income Insurance Keeping income strong Table of Contents Your income is your most valuable asset. Protect it!...........1 Disability Could it happen to you?........................2
More informationThe Intelligent Choice for Basic Disability Income Protection. Keeping Income. strong
The Intelligent Choice for Basic Disability Income Protection ProVider Plus Limited Keeping Income strong We purposefully engineer our basic disability income product to provide benefit-rich features delivering
More informationProtect your most valuable asset
Protect your most valuable asset ProViderPlus INDIVIDUAL DISABILITY INCOME INSURANCE 1 E1043-05-08 TABLE OF CONTENTS The Risk of Disability Statistics Leading Causes Resources People Rely On What to look
More informationPolicy Features and Key Differences
ProVider Plus & ProVider Plus Limited Comparison Insurance Proposal Policy Features and Key Differences Male, age 30, Rhode Island Proposed Coverage Details ProVider Plus ProVider Plus Limited Base Policy
More informationWhat if illness or injury made it impossible for you to work?
This is the best time to protect your future earnings Disability Income Insurance for New Professionals Your earning power is your most valuable asset Your ability to earn an income is your most valuable
More informationLifestyle Protection Plan for Executives
Chris is 36 years old and earns $90,000 per year. He is about to suffer a massive heart attack that will put him out of work permanently...... and cost him over $4 million. Lifestyle Protection Plan for
More informationLifestyle Protection Plan for Business Owners
Paul is 38 years old and nets $60,000 per year. He is about to fall, seriously injure his neck and put himself out of business......it will cost him over $2.4 million. Lifestyle Protection Plan for Business
More informationProduct Overview Products to keep your clients income, retirement savings and business strong.
Individual Disability Income Insurance provider Plus and ProVider Plus Limited Product Overview Products to keep your clients income, retirement savings and business strong. For For Producer use use only.
More informationMetLife Income Guard Compared to Guardian Provider Plus 1400
DISABILITY INSURANCE SM MetLife Income Guard Compared to 1400 MetLife Income Guard is a noncancelable and guaranteed renewable individual disability insurance (IDI) product that offers a variety of competitive
More informationBerkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468
Berkshire Life Insurance Company of America 700 South Street Pittsfield, Massachusetts 01201 1-800-819-2468 DISABILITY INCOME PROTECTION COVERAGE REQUIRED OUTLINE OF COVERAGE Policy Form 1500 1. READ YOUR
More informationWhy Disability Insurance
Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and
More informationThe ProVider Plus Competitive Advantage
The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages
More informationWhy Disability Insurance
Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and
More informationProtector Platinum SM Guarantee Issue Individual Disability Income Insurance
February 2011 Protector Platinum SM Guarantee Issue Individual Disability Income Insurance Protector x Platinum SM GI Form For 15397PPT 2010 producer Standard (Rev training Insurance 2/11) only. Company
More informationUnit 9. Berkshire Personal Disability Insurance Products
Unit 9 Berkshire Personal Disability Insurance Products Let s take a close look 1 Personal DI Products High quality markets require high quality products Berkshire s individual disability income products
More informationProducts that help you protect your clients income
For producer use only. Not for use with the general public. Products that help you protect your clients income PRODUCT overview Individual disability income INSURANCE Guaranteed standard issue disability
More informationThe ProVider Plus Competitive Advantage
The ProVider Plus Competitive Advantage Here are some noteworthy product features to distinguish Berkshire s ProVider Plus flagship product offering when in competition with These competitive advantages
More informationProtector AT A GLANCE
CRITICAL INDIVIDUAL ILLNESS DISABILITY INSURANCE INSURANCE AT A GLANCE Protector AT A GLANCE Table of Contents Table of Contents Protector...1 Built-in Protector features...1...2 Basic policy........................
More informationWhy Disability Insurance
Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and
More informationTo order printed version of this document, request Pub3527BL via Forms On Demand. Disability Insurance. Business
Overhead Expense To order printed version of this document, request Pub3527BL via Forms On Demand. Disability Insurance to Cover Reimbursement for Overhead Expenses Business P r o d u c t s Reimbursement
More informationDisability Insurance. Business
Overhead Expense Disability Insurance to Cover Reimbursement for Overhead Expenses Business P r o d u c t s Reimbursement for Business Expenses in the event of Disability You ve worked hard to establish
More informationINDIVIDUAL DISABILITY INSURANCE. Individual critical illness insurance AT A GLANCE
INDIVIDUAL DISABILITY INSURANCE Professional Oasis Individual critical illness insurance AT A GLANCE Table of Contents Professional......................................1 Built-in features.................................
More informationINDIVIDUAL DISABILITY INSURANCE
Disability Insurance Crash Course 1 AN INTRO TO INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 2 AN INTRODUCTORY GUIDE TO HOW INDIVIDUAL DISABILITY INSURANCE POLICIES WORK, AND WHY YOU
More informationIndividual Living Benefits Product Portfolio. Personal income, lifestyle and business protection
Individual Living Benefits Product Portfolio Personal income, lifestyle and business protection PROFESSIONAL MARKET The Professional Series policy OBJECTIVE n Provides non-cancellable coverage that includes
More informationBusiness Loan Protector
Business Loan Protector Insurance Advisor Guide For advisor use only. PLAN CODE: 958 periodic pay; 958L lump sum PRODUCT TYPE Business protection PURPOSE AND MARKET The Business Loan Protector policy has
More informationAccumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied.
Accumulation of Days of Disability In better disability policies, the Elimination Period days do not need to be consecutive. They may be accumulated, assuming each period of disability is not separated
More informationBusiness Overhead Expense. Disability Insurance. Petersen. International Underwriters
Business Overhead Expense Disability Insurance Petersen International Underwriters Business Overhead Expense Unfortunately, there is not a switch with which one can turn off business expenses at a time
More informationDISABILITY insurance. MetLife Income Guard SM. Flexible Income Protection that Works for You.
DISABILITY insurance MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation
More informationDisability Income Replacement Plan & Business Overhead Expense Plan
Disability Income Replacement Plan & Business Overhead Expense Plan protecting your income Engineers Canada-sponsored Disability Income Replacement coverage and Business Overhead Expense coverage offer
More informationThe Professional Series
The Professional Series INSURANCE ADVISOR GUIDE For advisor use only. PLAN CODE 964 level; 965 step rate PRODUCT TYPE Individual disability income protection SALES TIP Consider offering your client the
More informationOMNI Advantage & Essential. protect. yourself and family for a more secure tomorrow.
LIN BAN DISABILITY insurance OMNI Advantage & Essential protect yourself and family for a more secure tomorrow. income the importance of your and protecting it For most of us, financial stability and protection
More informationDISABILITY INSURANCE. MetLife Income Guard. Flexible Income Protection that Works for You.
DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation
More informationDisability Insurance How to Maximize Your Benefits
Disability Insurance How to Maximize Your Benefits Until an individual has created sufficient wealth to provide adequate income for their family in the event of a disability, it is vital to manage the
More informationIncome Protection Disability
Income Protection Disability Protecting loved ones from financial hardship in the event of premature death of a primary income earner is usually a high priority for most Canadians. Unfortunately, while
More informationDISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You.
DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection That Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance can help
More informationSpecial Guaranteed Issue Offer for Long-Term Disability Insurance
Special Guaranteed Issue Offer for Long-Term Disability Insurance Designed by veterinarians for veterinarians Available to AVMA Members insurance you can trust. Underwritten by New York Life Insurance
More informationIndividual Disability Insurance
Individual Disability Insurance One Key To A Secure Financial Future Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance
More informationAMP Risk Protection Plan Booklet. Protect what s most important to you
AMP Risk Protection Plan Booklet Protect what s most important to you No matter how cautious we are, the unexpected can happen to any one of us, at any time. And our lives can change in a split second.
More informationHow Disability Income Insurance Contracts Define Disability
WD & Associates WILLIAM DELMAGE President 22 Hemingway Drive East Providence, RI 02915 (401) 435-4239 103 wmd@wdandassociates.com www.wdandassociates.com How Disability Income Insurance Contracts Define
More informationThe DIS Crash Course. Policy Definitions, Provisions & Riders: Deciphered, Demystified, Decoded. Own Occ. Any Occ. Modified Occ. Can YOU talk the OCC?
The DIS Crash Course Policy Definitions, Provisions & Riders: Deciphered, Demystified, Decoded. All You ll Ever Need to Know to Outsell Your Competition! If you find yourself struggling with the plethora
More informationHow To Get Disability Insurance From Mutual Of Omaha
Mutual of Omaha Insurance Company Disability Income Choice Portfolio SM MC34442 While many workers have group disability coverage through an employer, it often covers only 50 to 60 percent of their pay.
More informationSummary of Disability Income and Business Overhead Expense Insurance Policies
Summary of Disability Income and Business Overhead Expense Insurance Policies All States but CA Income is the Foundation. Protect It. The Union Central Life Insurance Company DI 1248 12/09 With DInamic
More informationbroker Compensation Guide
BROKER COMPENSATION broker Compensation Guide individual disability Insurance F o r p r o d u c e r u s e o n l y. N o t f o r u s e w i t h t h e g e n e r a l p u b l i c. Sell Premier DI Products &
More informationSummary of Disability Income and Business Overhead Expense Insurance Policies
Summary of Disability Income and Business Overhead Expense Insurance Policies Income is the Foundation. Protect It. DI 1248 12/11 With DInamic Foundation, you can provide needed income protection to a
More informationVoluntary Supplemental Long Term Disability Plan
PRUDENTIAL S GROUP INSURANCE Voluntary Supplemental Long Term Disability Plan Southern Illinois University #92822 Issued by The Prudential Insurance Company of America 0172180 Get Peak Protection for You
More informationWho Is Considered A Key Person
Key Person Disability Insurance Most companies have key employees to which the success and profitability of the firm are directly related. Most businesses would not be prosperous without the knowledge,
More informationA CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO DISABILITY INCOME INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of
More informationYour Personal Disability Income Protection Plan
Your Personal Disability Income Protection Plan Prepared for: Kimberly Garrison September 25, 2015 Presented by: Joe Capone, ChFC, LUTCF Insuring Income 160 Gould Street Suite 310 Needham, MA 02494 888-666-4208
More informationVOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN
VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN University of Illinois #92630 Effective October 1, 2014 The Prudential Insurance Company of America, Newark, NJ 10/2014 0209015-00002-00 1 DISABILITY INSURANCE
More informationSTANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888
STANDARD INSURANCE COMPANY Home Office: P.O. Box 711, PORTLAND, OREGON 97207 1-800-247-6888 INSURED: POLICY NUMBER: BUSINESS PROTECTOR DISABILITY INCOME PROTECTION COVERAGE OUTLINE OF COVERAGE READ YOUR
More informationlong-term www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243
long-term disability insurance www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 Long-Term Disability Insurance a serious illness or injury can turn your life upside down for months
More informationIntelligent Choice During Residency and Beyond. Travis Christy Disability Income Specialist/ Financial Representative
Intelligent Choice During Residency and Beyond Travis Christy Disability Income Specialist/ Financial Representative Intelligent Choice Travis Christy Guardian Disability Specialist. HSAC Disability Program
More informationVOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN
VOLUNTARY SUPPLEMENTAL LONG TERM DISABILITY PLAN Chicago State University #50563 Eastern Illinois University #93024 Governors State University #92820 Illinois State University #92821 Northeastern Illinois
More informationDisability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE
Mutual of Omaha Insurance Company Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE MC35420 T DI Choice at Work The paycheck you earn helps you build the life you want for your
More informationAccident Only Disability Income Insurance Learn the Truth. Know the Risk. Protect your Income.
Mutual of Omaha Insurance Company Accident Only Disability Income Insurance Learn the Truth. Know the Risk. Protect your Income....so you can keep it going. MC35297 Accident Only Disability Income Insurance
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationoptimizingtheindependent contractorstatus
optimizingtheindependent contractorstatus Who cares more about your financial future than you? The financial distinction between employees and the independent contractor can be summarized this way: Employee:
More informationMasters, Mates & Pilots Disability
Masters, Mates & Pilots Disability A Disability Financial Planning Tool Personal Income Protection Specifically Designed For Eligible Participants of the Masters, Mates & Pilots Health & Benefit Plan Willis
More informationPhysician Disability Insurance Guide
Physician Disability Insurance Guide This guide will educate you about definitions of disability, policy provisions, types of policies, how insurance companies determine the amount of disability coverage
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance What lump sum covers are available with Asteron Life Personal Insurance? Life Cover Life Cover insurance pays a lump sum of money if you pass away or become terminally ill.
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future If you re physically healthy, you can work, play,
More informationProduct Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover?
Product Summary November 2015 Life s better with the right partner This is a summary of the main features and terms of the AIA Australia Priority Protection for Platform Investors product. For full details,
More informationLong Term Disability Insurance
Benefits Description Page 1 of 6 Long Term Disability Insurance Definitions Disability Due to a sickness, pregnancy or accidental injury, the employee is receiving appropriate care and treatment from a
More informationGuide to Individual Disability Income. Insurance
About AHIP America s Health Insurance Plans is a national association representing nearly 1,300 members providing health benefits to more than 200 million Americans. AHIP and its predecessor organizations
More informationDisability Insurance: A sound financial foundation includes income protection
Disability Insurance: A sound financial foundation includes income protection Introduction...1 An important financial safety net...2 Many are not eligible for Social Security or workers compensation benefits...3
More informationGuide to Disability Income. Insurance. America s Health. Insurance. Plans
America s Health Insurance Plans Guide to Disability Income Insurance I Although frequently revised, this guide includes information that is subject to changing federal and state laws. AHIP provides this
More informationPriority Protection for Platform Investors
Priority for Platform Investors Product Disclosure Statement Version 1.1, Date Prepared 22 August 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes
More informationGuaranteed. Death Benefit UL Products. ING Guaranteed Death Benefit Universal Life II. ING Guaranteed Death Benefit Universal Life II NY
Lifetime Guaranteed Death Benefit UL Products ING Guaranteed Death Benefit Universal Life II ING Guaranteed Death Benefit Universal Life II NY Producer Guide Life insurance issued by: Security Life of
More informationDISABILITY INSURANCE. MetLife Income Guard California SM. Flexible Income Protection that Works for You.
DISABILITY INSURANCE MetLife Income Guard California SM Flexible Income Protection that Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance
More informationINCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB
INCOME PROTECTION Telephonist 31, Female, Lower back pain Demolition worker 40, Male, Site injury Publisher 62, Male, Severe ear condition Mining worker 37, Male, Depressive episode Dentist 51, Male, Fracture
More informationVoluntary Term Life Insurance and AD&D Coverage Highlights
Coverage Highlights Educational Service Center of Franklin County Policy # 126694 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
More informationGroup Life And AD&D Insurance Coverage
Group Life And AD&D Insurance Coverage The California State University Standard Insurance Company Group Life Insurance The following is a brief description of some of the coverage highlights for The California
More informationA Guide to Disability Insurance
term Introduction The following information is for educational purposes only. This information is not intended to replace the advice of an insurance professional or address specific situations. Your personal
More informationPriority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner
Priority Product Disclosure Statement Version 1, Date Prepared 1 March 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes the main features of
More informationTHE STANDARD LIFE AND AD&D INSURANCE
THE STANDARD LIFE AND AD&D INSURANCE Standard Insurance Company provides Life, Accidental Death and Dismemberment (AD&D) for eligible Bloomfield School District (BSD) employees and dependents Basic Term
More informationWhy Disability Insurance
Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and
More information12505-645820-BROKERED
Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical
More informationNorth East Independent School District Policy # 148281
Coverage Highlights North East Independent School District Policy # 148281 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
More informationPioneer Surgical Technology, Inc. Policy # 151666
Coverage Highlights Pioneer Surgical Technology, Inc. Policy # 151666 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
More informationTerm Life Insurance and AD&D Coverage Highlights
Coverage Highlights Your Plan Eligibility Policy Number 146240 Please read carefully the following description of your UnumProvident Term Life and AD&D insurance plan. Coverage Amounts All active full-time
More informationShort-Term Disability
MUTUAL of OMAHA INSURANCE COMPANY THAT WORKS FOR ME. Disability Insurance Choice Portfolio Short-Term Disability Prepared for: Presented by: DOVETAIL SHORT & LONG TERM DI Home Office none 402-351-0000
More informationProtecting Your Assets and Lifestyle: A Critical Illness Insurance Review
Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your
More informationAD&D and Life Insurance Information
Coverage Highlights Centenary College of Louisiana Policy # 136985 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts
More informationDISABILITY INCOME PROTECTION TotalCareMax
Life Disability Income Protection Customer guide DISABILITY INCOME PROTECTION TotalCareMax Life. Take charge. sovereign.co.nz WHY INSURE YOUR INCOME? We appreciate how important your income can be. Whether
More informationLong Term Disability Insurance Plan
Long Term Disability Insurance Plan LONG TERM DISABILITY INSURANCE PROGRAM DESIGNED EXCLUSIVELY FOR QMA MEMBERS* Insured by : Eligibility : Period of coverage: Maximum Benefit Period : Maximum Monthly
More informationTMAIT Insurance Guides for Physicians. Long-term Disability Insurance
TMAIT Insurance Guides for Physicians Long-term Disability Insurance TMAIT Insurance Guides The TMAIT Insurance Guides are intended to help physicians make sound insurance decisions for themselves and
More informationLong-Term Disability Insurance
Long-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Pennsylvania State System of Higher Education Protecting Your Family Securing Your Future As long as you've got your health.
More informationDisability Insurance. Financial Protection For Individuals And Business Owners. Standard Insurance Company Individual Disability Insurance
Disability Insurance Financial Protection For Individuals And Business Owners Standard Insurance Company Individual Disability Insurance Income Protection When You Need It Most The home you live in, the
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of Lake County Board of County Commissioners 817763 a 06/12 Protecting Your Family Securing Your Future As long as you've got your health. If
More informationAdditional Life Coverage Highlights Johnson County Community College
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select
More informationRisk Mitigation Strategies for Attorney Clients Income Protection & other Disability Insurance Contracts
Risk Mitigation Strategies for Attorney Clients Income Protection & other Disability Insurance Contracts Attorneys provide a multitude of opportunities for Insurance because they know the importance of
More informationMcAllen Independent School District Policy # 219632
Term Life Insurance and AD&D Coverage Highlights McAllen Independent School District Policy # 219632 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your
More informationDisability Insurance. Business Overhead Expense Protection Expense Plus. so business can go on. even when you can t.
LIN BAN Business Overhead Expense Protection Expense Plus Disability Insurance so business can go on even when you can t. Business owners like you have unique responsibilities. You have a business to run,
More informationDISABILITY INCOME PROTECTION TotalCareMax Adviser information
Life Disability Income Protection Adviser information DISABILITY INCOME PROTECTION TotalCareMax Adviser information Life. Take charge. sovereign.co.nz HOW SOVEREIGN S DISABILITY INCOME PROTECTION COVER
More informationWhat will happen to your business if you become sick or injured?
What will happen to your business if you become sick or injured? Introducing... Business ValueGuard Disability Protection For Your Business You protect your income with personal disability insurance. You
More informationIMPORTANT FACTS. about the tax treatment of disability insurance products
IMPORTANT FACTS about the tax treatment of disability insurance products Taxes Disability insurance premiums and benefits are subject to various tax laws, both on an individual and a business basis. This
More informationZionsville Community School Corporation Policy # 593898
Coverage Highlights Zionsville Community School Corporation Policy # 593898 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
More informationNCAA CATASTROPHIC INJURY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS
NCAA CATASTROPHIC INJURY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS APPLICABLE TO 8/1/12 TO 7/31/13 POLICY PERIOD This document is a summary of the NCAA Catastrophic Injury Insurance Program. The insurance
More informationGuarantee Standard Issue Program Overview
Guarantee Standard Issue Program Overview 2 Guarantee Standard Issue Table of contents What is the GSI program? Pg. 3 Program facts and advantages Pg. 5 Selecting coverage under the GSI program Pg. 6 Underwriting
More information