Products

Printable Version

Disability insurance for employees who lose their group LTD coverage due to job termination

• Provides interim coverage during career transition period
• Available benefit periods to age 60, 65
• Monthly benefits up to $10,000
• 2 year regular occupation definition (similar to most group LTD plans)
• Issue ages up to 60
• Simple application and underwriting process
• Ideal for single or multi-life (e.g. employer downsizing) applications
• Employer or employee paid
• Underwritten by Reliable Life Insurance Company
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Individual disability insurance for those who have been declined for medical reasons

• Coverage for both accident and sickness
• 10, 5 and 2 year benefit periods
• Optional benefit period to age 65 for accident
• Monthly benefits up to $10,000
• Regular occupation definition throughout
• Partial disability benefits included
• Optional Premium Refund Rider
• Target market white/gray collar executives, professionals, business owners
• Underwritten by Reliable Life Insurance Company
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Individual life insurance for those who have been declined for medical reasons

• Level term insurance for 20 years, or until age 75, whichever occurs first
• Issue ages 20 to 65
• Face amounts $50,000 to $500,000
• Optional Premium Refund Rider
• Full underwriting, full benefits from issue
• Web-based quotation facility
• Underwritten by ACE INA Life Insurance
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Individual disability insurance for unique cases that cannot be issued by a traditional DI insurer

• Income Replacement, Business Overhead, Buy-Sell and Key Person plans
• Flexible structure can be customized to meet individual client needs
• High limit coverages for personal or business needs – sums insured up to $20 million
• Foreign travel or residence – anywhere in the world
• Short term coverage requirements e.g. during leave of absence, waiting period for group LTD
• Coverage for those age 60 to 70 and still working
• High risk occupations and hobbies
• Underwritten by certain underwriters at Lloyd’s, London
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An excellent supplement or alternative to life insurance in many situations

• AD&D (accidental death and dismemberment) or AD only
• Optional Permanent Total Disability
• Sums insured up to $20 million
• Life insurance medical declines
• Life insurance declines for foreign travel or residence (anywhere in the world)
• Specific risk e.g. covering exclusions in individual or group life plans (avocation, travel, war)
• Available on individual or group basis
• War/terrorism coverage – standalone or add-on
• Underwritten by certain underwriters at Lloyd’s, London
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Printable Version