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: $884.72 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: $940.02 per month, level to age 65
This will need to be further developed with personal information before it can be considered for purchase.
Your qualifications will determine what is available to you, and at what cost.
The additional information to provide includes:
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 online or send a note. You won't have to provide any information that you don't want to, and what you do share will stay just between us.
