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Example
Principal policy form # ICC22-800-IDI
Definition of Disability (Type): True Own Occupation with medical specialty
Elimination Period: 90 days
Benefit Period: to age 65 (psych claims are subject to a special limit of 24 months)
Options Included: True Own Occupation Definition of Total Disability, Limitation of Benefit for Mental/Nervous/Substance Abuse Disorders (optionally included for 10% discount)
Premium: $382.00 per month, level to age 65
Example
Principal policy form # ICC22-800-IDI
Definition of Disability (Type): True Own Occupation with medical specialty
Elimination Period: 90 days
Benefit Period: to age 65 (psych claims are subject to a special limit of 24 months)
Options Included: True Own Occupation Definition of Total Disability, Limitation of Benefit for Mental/Nervous/Substance Abuse Disorders (optionally included for 10% discount)
Premium: $458.40 per month, level to age 65
This is preliminary. The purpose of this tool is to establish what cost universe these products are in without having to share personal information up front. Your individual qualifications will affect pricing and availability.
Brochures and Forms
Understanding Your Protection Options
The difference between the two types of definitions of disability to choose from: "Own Occupation and Not Working" vs. "True Own Occupation"
For use in the following states: AL AK AR CO CT DC DE GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS NE NH NJ NV OH OK OR PA RI TN TX UT VA VT WA WI WV
JJ2345 (01/23)
Future Increase Riders
How coverage can be upgraded in the future without having to go through medical underwriting again. This option is available by rider to highly qualified applicants.
For use in the following states: AL AK AR CO CT DC DE GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS NE NH NJ NV OH OK OR PA RI TN TX UT VA VT WA WI WV
JJ2234 (01/23)
Protect Your Income (flipchart)
An introduction to the need for income protection, including common causes of disability claims, probability, examples, and putting the choices in perspective.
For use in the following states: AL AK AR CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
JJ1151 (2-23)
Protect Your Income (infographic)
A two page infographic on the need for disability income insurance.
For use in the following states: AL AK AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
JJ1907POD (2/2025)
Sample Policy
A sample policy including definitions, exclusions, limitations, benefit provisions and claims procedures. This version has the True Own Occupation definition of disability and includes riders.
For use in the following states: AL AK AR AZ CO CT DC DE GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS NE NH NJ NM NV OH OK OR PA RI TN TX UT VA VT WA WI WV
ICC22-800 - True Own Occ
Individual Disability Insurance Application
Get a sneak peek at the questions before requesting an electronic application, or take the application process offline. Disclosures may vary by state.
For use in the following states: AL AK AR AZ CO CT DC DE FL GA HI IA ID IL IN KA KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
ICC22 AA 4955 KIT v8-22
How To Proceed
This will need to be further developed, as your personal qualifications will determine what is available to you, and at what cost. The additional information required relates to:
How you work, including any specialized work you perform within your occupation and skill sets you depend on to perform at the top of your game. To make this easy, you'll be prompted about specific things.
How established you are in your career
Career expectations, especially if a path to future upgrades is desirable
Earnings
Other existing disability coverage, if any
Lifestyle (e.g., travel habits, recreational activities)
Health
Where you are in this journey, including other inquiries, and
What underwriting requirements you prefer to avoid.
There are different ways to provide this information. You can call, answer questions by intake form or send a note. Health information cannot be provided using the intake form method. You won't have to provide any information that you don't want to, and what you do share will stay just between us.
