Intended Markets

Middle Income and small business owners

Occupational Classes

4A, 3A, 2A, 1A

Issue Ages

18-60

Elimination Periods*

30, 60, 90, 180, and 365 days (all ages, all classes)

Maximum Issue Limits

4A=$7,000  3A=$6,000  2A=$5,000  1A=$4,000

Benefit Periods

4A and 3A = 1, 2, 5-year and To Age 65

2A              = 1, 2, 5-year

                       To Age 65 if:  - self-employed; and

-         under age 56 and in same business for 2 years with annual net of at least $24,000 for 2yrs.

1A              = 1, 2, and 5-year

Renewability

Guaranteed Renewable

Highlights*

- 2-Year Own Occupation
  Definition
- $1,000 Home
   Modification Benefit
- Waiver of Premium
- Partial Disability Benefit
- Rehabilitation Benefit
 

- List Bill Capability
- Presumptive Disability
- Self-employed
   considerations
- Survivor Benefit

Optional Riders*

- Return of Premium Rider
- Non-Cancelable available
  for 4A & 3A
  (up to 5-year benefit period)
- 5-year Own Occupation for
  4A & 3A
  (5-year and To Age 65 only)
- Residual Benefit Rider
 

- Guaranteed Insurability
- Supplemental Disability
  Income
- Automatic Benefit
   Increases
- Hospital Benefit Rider

1A

Ambulance drivers, auto body repair workers, bartenders for restaurants, bus drivers, custodians, exterminators, fire fighters, furniture movers, police and other law enforcement officers, building painters, roofers, swimming pool services, taxicab drivers, tree trimmers, long haul truckers, water well drillers, casino workers (w/ 1+ years of employment)

2A

Aerobic instructors, automobile mechanics, barbers and beauticians, brick masons, bulldozer operators, carpenters, chiropractors, local delivery drivers, drywall installers, electricians, farmers, game wardens, glaziers, machinists, welders

3A

Cashiers, clergy, dentists and dental hygienists/technicians, nurses, retail liquor sales, real estate appraisers, surveyors, teachers, small animal veterinarians, trucking dispatchers

4A

Accountants, attorneys, computer programmers, insurance agents and brokers, librarians, paralegal assistants, real estate agents and brokers, traveling salespersons, travel agents