Disability Coverage

Disability (Short Term and Long Term) Coverage


Disability Income insurance is a tax advantaged benefit designed to act as a “paycheck” when your client is unable to work due to a qualifying disability. This product can provide up to 5 years of monthly benefits if a person becomes disabled.

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Disability plans offer

Icon Calendar Benefit periods of 1 year, 2 years, 5 years
Icon Money Document Monthly benefit amounts $500 – $5,000
Icon Person Guaranteed renewability up to age 65


Disability Income Protector SM Disability Income Protector Plus SM
Offers basic coverage in the event of total disability from an accident only Gives more coverage for total disability from both accidents and sicknesses
Elimination period – 30 days Elimination period – 30 days, 60 days, 90 days
Budget-friendly coverage option Benefit rich coverage option

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