Union Central

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Download: Agent's Guide to Disability

Download:   Agent's Field Underwriting Guide

  Disability Income Policies

Non-Cancellable and Guaranteed Renewable
     The policy cannot be cancelled, nor can the premiums be increased until age 65. 
     Beyond age 65, the policy is conditionally renewable for life.

Choice of Benefit Periods and Elimination Periods
     Choice of One, Two, Five Years, or to Age 65 Benefit Periods
     Choice of 30, 60, 90, 180, 365, 730 day Elimination Periods

Definitions of Disability available
     To Age 65 Own Occupation
     To Age 65 Own Occupation and not engaged in any occupation for wage or profit
     60 Months Own Occupation*
     60 Months Own occupation and not engaged in any occupation for wage or profit*
          *After 60 Months: any reasonable occupation you are able to do based upon your
                education, training and experience.
     24 Months Own Occupation*
          *After 24 Months: any reasonable occupation you are able to do based upon your
               education, training and experience.
     24 Months Home Provider
          For the first 24 Months, Own Occupation and not engaged in any occupation for 
          wage or profit. 
         After 24 Months, Cognitively Impaired or unable to perform two or more of 
         these activities of daily living: eating, dressing, toileting, transferring , and
         continence.

Optional Riders Available
     Residual Disability
     Partial Disability
     Inflation based upon the CPI to a maximum of 6%
     Automatic Increase
     Guaranteed Physical Insurability
     Social Security Substitute

Guaranteed Renewable                       Blue Collar Risks
     This policy cannot be cancelled to age 65.    Beyond age 65, the policy is 
       conditionally renewable for life.

Choice of Benefit Periods and Elimination Periods
     Choice of One, Two, and Five Year Benefit Periods
     Choice of 30, 60, 90180, 365 day Elimination Periods

Definition of Disability 
     24 Months Own Occupation*
          *After 24 Months: any reasonable occupation you are able to do based upon your
                education, training and experience.

Disability Overhead Expense

Non-Cancellable and Guaranteed Renewable
     The policy cannot be cancelled, nor can the premiums be increased until age 65. 
     Beyond age 65, the policy is conditionally renewable for life.

Choice of Benefit Periods and Elimination Periods
     Choice of 12, 18, or 24 Month Benefit Periods
     Choice of 30, 60, 90 day Elimination Periods

Optional Riders Available
    Future Insurability
      Substitute Salary

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