Individual Disability Income Insurance
What would you do if you lost your source of income due to a disability from and accident or injury? Unfortunately, that is a question that as many as 1 in 4 people find asking themselves long before they ever had plans to stop working. With individual disability income insurance, your coverage could be 60%, 70% or even 80% of your current salary. The worry and stress of financial security...how to pay those bills...how to cover living expenses...can be almost entirely alleviated; allowing you to focus on your recovery and well-being.
Through our strategic partnerships with insurance providers, we offer a variety of individual disability income insurance products and plans. Below are some that are currently offered through our insurance partners, however, we encourage you to contact us to discuss your specific needs or to see if there are other options available.
DInamic Foundation from Ameritas®
DInamic Foundation is a Disability Income (DI) insurance product that offers income protection with a selection of benefit and waiting periods, additional benefit riders and payment plans so you can choose the options that work best for you. Your financial representative can help you decide which product best meets your needs.
Features, Benefits, and Options: You can choose from Noncancelable (NC) or Guaranteed Renewable (GR) coverage, based on your specific needs. You also have a choice of benefit periods and elimination periods. You can decide when benefits begin and for how long they are payable. We have several features that make our product unique, including Nondisabling Injury, Good Health, Presumptive Total Disability and COBRA Premium Benefits, among other features that are included with your policy.
Additional Benefits: You have the choice to expand your coverage beyond what’s included in your base policy. You may wish to include riders for an additional premium, including Residual Disability, Cost of Living Adjustment, Future Increase Option, Catastrophic Disability, among others. Choose the benefits that will go to work when you can’t.
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DInamic FundamentalSM from Ameritas®
DInamic FundamentalSM is a Guaranteed Renewable Disability Income (DI) insurance product that provides a lump sum payment in the event of total disability resulting from injury or sickness. This product provides a simple, affordable and attainable way for you to protect your income.
Simple to Understand: The product is designed to be easy to understand with simple features and no riders. For a monthly premium, you’re guaranteed to receive a lump sum payment in the event of a total disability if you’re unable to perform the material and substantial duties of any occupation for which you are reasonable suited based on your education, training, and experience. The disability must be expected to last at least 365 days.* It’s that simple.
Affordable Protection: If you’ve thought that DI insurance protection was out of reach, we’ve got good news for you. This innovative product is designed to help make income protection affordable with low premium payments and a a single lump sum payout.
Attainable Coverage: Simplified application and underwriting processes make this product easy to attain within the specified guidelines. If you are working 30+ hours a week outside of medical or high-risk occupations or industries and are considered a middle income earner, you may qualify for this product.
*Benefit is paid after a 30 day survival period from the date of disability.
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