To: All agents and brokers of record:

A Guaranteed Renewable Impaired Risk DI product is now available in 35 States, as follows:  
Coverage issued through a Group Trust Product - AZ, AK, CA, CT, DC, DE, HI, IA, IL, KY, KS, MA, MO, MS, NE, NJ, NM, NV, OH, PA, RI, SC, TN, VA, WV, WI and WY.
Coverage issued through an Individual Product - AR, GA, LA, MN, NC, OK, TX, AND WA. 

 

Additional Group Trust or Individual filings are being made in approximately 10 other states.

 

We expect a mid 2007 roll-out into other states as forms and rates are approved.  Please enter our restricted area FOR AGENTS ONLY to download forms and obtain a complete set of rates by State. This page will be updated as Forms and Rates are approved in each state.

 

• Level Premium at Issue to Age 65; Higher Rates at Attained Age 65-70.
• Rates: Male/Female, Tobacco/Non-Tobacco with 5-Year Age Bands
• Guaranteed Renewable to Age 65; Conditionally Renewable to Age 70.
• Partial Disability is included in base rates, along with a Survivor Benefit, AD&D and Hospital Indemnity.
• Additional 5% 1st Year commission to be paid above your current contracted rates.
• Higher Graded Benefit Pay-Out in 1st Two Years (40%/75%)

• Continued Non-Medical Underwriting to $11,000/month
• Competitive Rates Age Last Birthday Issued to Age 60
• Own Occupation Extension Rider does not terminate at age 65
• Less restrictive terms for Partial DI, Survivor Benefit and Recurrent Disability definitions in comparison with the competition
• No Occupational Class Distinction
• Simple Base Rates; No Complicated Social Insurance Riders