Accidental Injury & Disability Income Insurance
Accidental injury & disability income insurance helps protect you from the costs of accidental injuries and disabilities while providing the Security of disability income.
Key Benefits
- Two coverage level so Emergency room1 and ambulance benefit
- Inpatient hospital confinement and ICU benefits
- Transportation and family lodging benefits
- Follow-up doctor and physical therapy visits
- Specified injury benefits for fractures, dislocations, lacerations, paralysis and burns
- Accidental dismemberment and death benefits
- Two optional disability benefits:
- Off-the-job accident short-term disability
- 24-hour accident short-term disability
Optional Riders
- Sickness Disability Rider – Benefits are payable when the insured is disabled due to sickness for up to 12 months. Benefits begin on the 15th day of sickness and can be added only when accident disability coverage is purchased.
- Return of Premium/Cash Value Rider – This feature returns your clients’ premiums after a specified period of time.
Cancer Insurance
Cancer insurance offers lifestyle protection and a helping hand. This supplemental insurance coverage has several benefit levels to fit almost any budget.
Key benefit
- Express payment up to $10,000
- Health advocate
- Wellness
- Daily hospital confinement
- Surgery and anesthesia
- Radiation and chemotherapy
- Transportation and family lodging
Optional Riders (available at an additional cost)
- Hospital Intensive Care Rider - This rider offers coverage to provide for your ICU needs and more.
- Return of Premium or Cash Value Riders – This rider includes a premium-back feature that returns premiums after a specified period of time.
Life Insurance
Advantages of a Universal Life Policy
Affordability- Choose a premium level that fits your budget.
Family Coverage-Your spouse, children and grandchildren are eligible for coverage, even if you decide not to participate.
Convenience – You can have your premiums deducted from your paycheck on a regular basis.
Portability – If your employment status changes, you can keep your universal life insurance protection in force.
Simplicity – A short, simple application is usually all that’s required to apply. In some cases, you can qualify without answering any health questions.*
Flexibility - Design your life insurance coverage to suit your present needs. If your situation changes, you can adjust your premiums and amount of coverage.
Interest Earnings - You earn interest on your policy’s accumulated cash value-interest that grows over time on a tax-deferred basis (under current tax laws).
Cash Accumulation – Your universal life policy builds up cash value that increases over time.
For review only! This material not intended to be used as an offer or solicitation. Plans and Riders vary by state and are not available in all states.
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