Policy Features & Benefits

4     Regular Occupation Rider (Class 5A CPAs, Architects, Engineers, Selected Executives, Etc.,) – If you become totally disabled from your occupation, under the terms of the policy, and can work in another occupation and choose to do so, you’ll receive full benefits, regardless of the income you earn from the other occupation.

4     Automatic Benefits Increase Rider – increases coverage every year for 5 years, without requiring any evidence of insurability.

4     Benefit Update Rider – This rider allows you to increase your coverage to the maximum amount you are eligible for every 3 years without providing evidence of medical insurability.

4     Residual Disability Benefit Rider – If you are disabled under the terms of the policy and lose at least 20% of your earnings due to an injury or sickness that restricts your ability to work in your occupation, you’ll receive a benefit proportionate to your loss.

4     Cost of Living Adjustment – While you are disabled and receiving benefits, your benefit is adjusted to help keep up with inflation.

4     Extended Total Disability Benefit Rider – Extends the benefit past age 65, up to the maximum aggregate benefit, if the insured is totally disabled and meets certain requirements.

4     Recovery Benefit Rider – After recovering from a disability in which you were receiving benefits, and returning to work full-time, benefits are payable if you continue to have a loss of earnings equal to or greater than 20% of your prior earnings and the loss is solely due to your prior disability.

4     No Mental Nervous Limitations – Allows for benefits for metal nervous disabilities to extend beyond the normal 24 month limitations applied by other companies.  This is not available in all states.  Consult policy for details.