Why Individual Disability Income Insurance?

Whether you’re interested in exploring personal disability income protection as your primary coverage or you’re interested in maximizing your existing group disability coverage… you’ve come to the right place.

We’ve already addressed the high risk of becoming disabled during your working years. And we can tell you from countless stories from our policyholders that not having to worry about their income during their disability recovery was an enormous relief. Do what’s right for you and your family by putting everyone’s mind at ease with disability protection that you select, you own and you control.

To protect yourself against income loss due to disability, consider The Protector+^SM1 individual disability income insurance:

• Your policy is not tied to your employment. You can take it with you if you leave and continue your coverage, so long as the premiums are paid on time.
• Bonuses and incentive income are usually covered in addition to your salary.
• Benefits are generally tax-free.²

Do You Already have Long-Term Disability Insurance at your workplace?

Group Long Term Disability (LTD) is a great benefit and provides valuable protection, but you may be surprised to know that a typical LTD group policy only covers 60% of your pretax, base salary, and so your net benefit after taxes could be 45% of your earnings (not including bonus or incentive income.) There aren’t a lot of people who can absorb a 55% pay cut very easily, particularly when dealing with the added stress of a disability. The last thing you need to add to that are financial worries.

Take a minute to think about your take-home pay today and consider if you could cover your expenses with only 45% of your regular income coming in each month. If you would like to explore your options further, please read on.

Flexible Coverage — Great Benefits

If you become disabled, The Protector+^SM1 individual disability income insurance pays benefits to help cover loss of income. The Protector+ has a strong base contract with excellent coverage, and also gives you the option to purchase additional riders to customize and enhance your personal financial protection.

Choice of benefit periods: Two years, five years or to age 66/67.

Choice of waiting periods: Option to choose from 60, 90,180, 365 and 730 days.²

Definition of Total Disability: The policy’s total disability benefit states that you are disabled if because of your injury or sickness, you are: unable to perform the substantial and material duties of your regular occupation, not engaged in any other gainful occupation, and under the regular care of a physician. The physician’s care requirement may be waived if further care would be of no benefit to you. Your regular occupation is your occupation at the time your disability begins.

Features of The Protector+:

• Renewable for Life while Actively Employed (Renewal Option)
• Total Disability Benefit
• Presumptive Total Disability Benefit
• Rehabilitation Benefit
• Survivor Benefit
• Waiver of Premium Benefit
• Cosmetic or Transplant Surgery Benefit
• Continuous Disability Benefit

Optional riders can further enhance your coverage with The Protector+:

• Residual Disability Rider
• Supplemental Social Insurance Rider
• Future Purchase Option Rider
• Indexed Cost of Living Rider
• Own Occupation Rider³
• Noncancelable Policy Rider
• Catastrophic Benefit Rider