All the products in our portfolio are guaranteed renewable – we’ll renew your policy to age 67* as long as you continue to pay your premiums. And if you’re self-employed or a member of a qualifying association, you may be eligible for a preferential rate on your premiums.**
Since our disability insurance policies can be tailored to your unique needs, it’s important to work with a licensed insurance agent who can answer all your questions.
* Age 65 in the Business Operating Expense policy
** Not available in the Business Operating Expense policy
As you consider disability insurance, ask yourself these questions:
How much coverage will I need? (Monthly Benefit)
You can use our Needs Assessment Calculator to help you determine this. Consider your mortgage and other debts, your current income and any available resources such as savings. Do you want accident only coverage, or coverage for both accidents and sickness?
How long would I be able to manage until coverage kicks in? (Elimination Period)
Take a realistic look at your monthly bills and consider what resources might help you meet those obligations and for how long?
How long will I want coverage? (Benefit Period)
Disability benefits can be paid to you for a period of just a few months or up to 10 years or longer. Our Disability Income Choice Portfoliosm offers you the choice.