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 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 NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY
Sample policy including definitions, benefit terms, exclusions, limitations and claims process. Includes optional riders, some of which are issued for additional cost.
