COMPLETE DISABILITY PRODUCT PORTFOLIO

1
COMPLETE DISABILITY PRODUCT PORTFOLIO
2

• Individual Coverage
• True Own Occupation Definition
• Business Overhead Expense
• Buy-Sell

3

• Mortgage Protection
• Retirement Completion
• Catastrophic Benefit

4

• Blue Collar
• High Limit
• Impaired Risk

5
The Three Areas of Disability Underwriting

1. Occupation
2. Compensation
3. Medical History

6

• Government Employees
• Police and Firemen
• Armed Forces

7

• Home Based Business
• Newly Self-Employed
• Young Professional Limits

8

• Recovery Benefit
• Qualified Sick Pay
• Return of Premium

9

• Group Supplement/Conversion

10
GROUP PLAN LIMITATIONS
11
The Areas of Disability Benefit

• 1. TOTALLY DISABLED AND NOT WORKING (Cannot
  perform material and substantial duties of YOUR
  job) (75 OR MORE OF INCOME LOST)
• INDIVIDUAL 100 OF MONTHLY BENEFIT
• (APPROX. 60 OF INCOME)
• GROUP LTD 100 OF MONTHLY BENEFIT
• (APPROX. 60 OF INCOME)

12
The Areas of Disability Benefit

• 2. PARTIALLY DISABLED,
• BACK TO WORK IN SAME JOB
• (20 LOSS OF INCOME)
• INDIVIDUAL OF LOST INCOME x MONTHLY BENEFIT
• GROUP LTD OF LOST INCOME x MONTHLY BENEFIT

13
The Areas of Disability Benefit

• 3. TOTALLY DISABLED
• (Cannot perform material and substantial duties
  of YOUR job)
• CAN WORK AT A NEW JOB
• INDIVIDUAL
• a. 100 OF MONTHLY BENEFIT
• b. OF LOST INCOME x MONTHLY BENEFIT
• GROUP LTD 0

14

• Executive Carve Out
• Multi Life Discount
• Spousal Discount

15

• Work Site Marketing Plans
• Association Programs
• GSI/Simplified Underwriting

16
Simplified Underwriting

• Maximum Benefit Amount 2,500/month
• Maximum Issue Age 50
• Occupation Classes All 3A above preferred
• Elimination Periods
• All 90 days above preferred

17
Simplified Underwriting

• Benefit Periods
• All (2 years, 5 years, To Age 65)
• Your Occupation Periods
• All (2 years, 5 years, To Age 65)
• Sex Distinct Rates (except in MT)

18
Simplified Underwriting

• Riders Available
• Automatic Increase Option/Automatic Benefit
  Increase
• Catastrophic Disability Benefit (1 to 1 ratio
  maximum CDB/Base SIS)
• Mental/Nervous Substance Abuse Disorder
  Limitation only in states required
• Residual or Short Term Residual Disability
  Benefit

19
Simplified Underwriting
Discounts Available MNSA 10 - To Age 65
benefit period 5 - 2 or 5 year benefit period
only in states required Select Occupation
10 Payment Methods Electronic Funds Transfer
(EFT) only
20
Simplified Underwriting
General Underwriting Requirements Simplified DI
application packet required. Tele App
required. No routine medical requirements (blood,
urine, exams, EKG s or APS s) required
21
1.800.945.9719