Our broad portfolio offers individual insurance products that help protect customers from the financial effects of accidents or sicknesses. Our broad selection of coverages feature choices suited to different ages, incomes, markets, working arrangements, and lifestyles. But what makes us different is what is behind our products: expert resources to help customers recover their ability to earn an income and regain a full and independent lifestyle.

Income protection solutions

Professional and Fee-For-Service

• High quality non-cancelable income protection with built-in residual/long-term partial coverage and own occupation coverage available for select occupations
• Or choose a guaranteed renewable loss of earnings contract as a cost-sensitive alternative

Middle Income and Salaried Employees

• Build a strong foundation with a non-cancelable, two-year regular occupation base
• As a cost-sensitive alternative, choose a guaranteed renewable plan with built-in cost-containment features to help bridge your finances during a disability
• Either way, you can include an enhanced disability option for full regular occupation protection, or tailor your coverage with a wide range of other options

Non-traditional and Expanded Markets

Find the answer to your disability needs with a simple injury-only contract or build a more comprehensive plan with sickness and long-term injury coverage, regardless of the plan design you select, the underwriting process is guaranteed to be fast and efficient

Lifestyle protection solutions

Accidents and sicknesses can be a threat to more than just your income - they can also jeopardize your independence and lifestyle.

• Critical Illness - provides a lump sum payment if you meet the definition of an insured critical illness; you can decide to use the money any way you want
• Retirement Protector - helps you maintain a retirement savings program while you are disabled

Special programs

Use our products in conjunction with a number of special programs:

• Enhanced Underwriting Programs - including Guarantee Standard Issue (GSI) programs
• Multi-Life Packaging - including special discounts, list billing and specialized sales support
• Integration with Group Disability Insurance - "top up" existing group LTD, provide second payer coverage, arrange for executive carve-out coverage, or worksite marketing of individual products on a voluntary basis
• Student and Young Professional Programs - special rate, product and eligibility features are available to students and emerging professionals

Business solutions

We complement these individual policies with income protection and business preservation insurance exclusively for businesses:

• Business Overhead Expense - reimburses certain expenses while an owner is disabled and cannot work
• Disability Buy/Sell - helps fund the buy-out of a disabled partner's share of a business
• Key Person - replaces income generated by a disabled employee central to the success of a business
• Business Loan - makes funds available to pay outstanding business loans and loan interest when an owner is disabled