Union Central

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Download: Agent's Guide to Disability

Download:   Agent's Field Underwriting Guide

  Dynamic Foundation
Disability Income Policies

Choice of Non-Can or only Guaranteed Renewable

Non-Cancellable and Guaranteed Renewable
     Issue Ages:    18-64
     The policy cannot be cancelled, nor can the premiums be increased until age 65. 
     Beyond age 65, the policy is conditionally renewable for life.

Guaranteed Renewable
       Issue Ages:    18-64
     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, Five, Ten Years, or to Age 65, 67 or Age 70 Benefit Periods
     Choice of 30, 60, 90, 180, 365, or 730 day Elimination Periods

Definitions of Disability available
    Own Occupation for the full length of the benefit period.
     Own Occupation and not working for the length of the benefit period.
     Five Years Own occupation, then Not Working thereafter.

Optional Riders Available
    Basic Residual Disability
     Enhanced Residual Disability   
     Partial Disability
     COLA Inflation based upon the CPI to a maximum of 6% Compound
     Social Insurance Substitute
     Catastrophic Disability (Maximum Benefit:  $10,000/month additional)
     Future Increase Option
     Automatic Increase Option    

Disability Overhead Expense

Non-Cancellable and Guaranteed Renewable
     Issue Ages 18-60
     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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