Disability Income

Although you may already have a disability income plan where you work, your waiting periods may be as long as one year. Who will pay your bills while you wait?

Other plans have benefit periods for only 13 to 26 weeks. Who will pay your bills after the benefits terminate?

With waiting periods as short as 14 days, and benefit periods up to age 65, we offer protection custom-tailored to your needs:

• Return of Premium
  Guarantees that if you never have a claim, most of your premiums will be refunded to you.
• Cost of Living Adjustment
  Provides protection against inflation if you become disabled.
• Supplemental Disability Benefit
  Allows the insured to obtain a higher percentage of income protection.
• Partial Disability
  Provides income protection in the event you are only partially disabled.
• Short Term Disability
  Reduces long term benefit costs while still providing adequate short-term income protection.
• Early Income Benefits
  Provides daily benefits while you are hospitalized.
• Future Purchase Option
  Guarantees you the right to increase coverage regardless of your current health condition.
• Accidental Death and Dismemberment
  Ensures benefits will be paid to your beneficiary upon death due to an accident or yourself if you lose a limb or sight.
• Three Year Rate Guarantee
  You can lock-in premium rates for three years.

Our Disability Income product is underwritten by American Underwriters Life Insurance Company.

* Some restrictions may apply.
** Not available in all states.