The Protector+^SM1 is designed for flexibility. Based on a guaranteed renewable contract, it features provisions such as:

• Coverage for a wide range of occupations
• Presumptive Total Disability
• Total Disability Benefit — payable if, because of injury and sickness, the insured is:
  1. Unable to perform the substantial and material duties of his or her regular occupation
  2. Not engaged in any other gainful occupation
  3. Under the regular care of a physician
• Waiver of Premium Benefit
• Rehabilitation Benefit
• Survivor Benefit
• Cosmetic or Transplant Surgery Benefit
• Continuous Disability provisions

The Protector+ utilizes optional riders that allow you to customize the product to suit your clients’ specific needs. Optional riders include:

• Residual Disability Rider (includes Recovery Benefit; all occupation classes)
• Future Purchase Option (all occupation classes)
• Supplemental Social Insurance Rider (all occupation classes)
• Indexed Cost of Living Rider (3% or 6% (all occupation classes)
• Own Occupation Rider² (5A, 4P, 4A, 3P & 3A - all 3A except podiatrists and self-employed stock brokers and all 4A except self-employed stockbrokers)
• Noncancelable Policy Rider (all occupation classes)
• Catastrophic Benefit Rider (all occupation classes)