Income Replacement (Disability) Insurance

Do you and your family depend on your earnings for, clothing and a home?
If your answer to the above question is yes, then your income could be considered your most valuable asset. What happens if your income stops or is drastically reduced because of an injury or illness? How will you meet your normal living expenses plus pay for possible added medical expenses?

10 Good Reasons to Purchase Income Replacement

  1. The company that I represent has over 132 years of experience in the Health Care Industry.
  2. Return of premium rider – This rider has a life span of 10 years. At the end of 10 years we will refund 80% of all premiums paid (including premiums for optional riders). If during that time you had a claim, the amount of money received will be reduced by the amount of claims paid. There will be no premium refund, for any reason, prior to the end of the 10 year rider life. You may reapply for this rider every 10 years until age 54, subject to our approval and availability.

  3. Guaranteed Renewability – As long as you pay your premium on time we will renew your policy until you are 65 or age 67 if optional rider is purchased. After 65 up to age 75, we will continue to renew your policy provided your are actively employed for at least 30 hours a week and your income (earned and unearned) is greater than the benefit your qualified to receive at time of issue.

  4. Your benefits are paid on a monthly basis for partial and total loss of earnings. A “paycheck” you can count on.

  5. Your benefits are based on a Loss of Earnings due to an injury or sickness, not some complicated definition of a disability or occupation.
  6. A recurrent Loss Provision in which a second loss may be considered a continuation of the first loss for related and unrelated causes.
  7. Rehabilitation Benefits – Money to help you pay for tuition, books, or a training program for a new position.

  8. Transplant Donor Benefit – Lost earnings due to your being a transplant donor will be covered the same as any other sickness or injury.
  9. Simple Waiver of Premium Definition – Your Elimination Period ends, we waive the premiums, and any premiums paid during your Elimination Period will be refunded.

  10. Beginning at age 50 and every other policy anniversary thereafter until you are 65, we will give you the opportunity to purchase a Long Term Care policy without having to prove eligibility!!! You can be sick as a dog and you will be still eligible for a Long Term Care policy.

None of the other insurance companies except us carry this particular insurance plan, so do not hesitate! For further details please e-mail me at or call me at so I can provide you with the best possible service.

Insurers and their representatives are not permitted by law to offer tax or legal advice. The general information here was written to support the sales, marketing or service of insurance policies by previous experience and data. Based on individuals’ particular circumstances and objectives, they should seek specific advice from their own qualified and duly licensed independent tax or legal advisors. No one may rely upon or use the information here for the purpose of avoiding any tax or tax penalty that may be imposed by the Internal Revenue Code or other applicable law.