Graded Benefit DI for Health Problems our carrier is looking for Professionals and Executives between the ages of 18 and 63. Applicants should be working a minimum of 30 hours a week. They are looking for hard working individuals, who are able to work full time despite their illness. Chronically ill or terminably ill individuals will not be accepted.

	Own Occupation
	2 to 5 Year Benefits
	30 to 365 Day Elimination
	60% of Income to $11,000 a Month
	Waiver of Premium included to Age 65
	Partial DI Rider
	Home Health Care Benefit
	Hospital Indemnity
	AD&D Benefit
	Survivor Benefit

Policy pays 33% of stated benefits first year; 66% if disabilty occurs in second year; and 100% of benfits thereafter.

No physicals and no blood. Completely underwriten with medical records.

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Substandard Occupations (Non-Graded) Two year benefit, 30 and 60 day elimination periods and 60% of earned income to a maximum of $3,000 per month. Issued ages 18 to 63. Applicant must earn at least $20,000 a year.

The following special markets are available through one of our Lloyd's outlets.

Rates are calculated after submission.

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High Limits disability coverage is available through our Lloyd's outlet for Doctors, Dentists and Business Executives. We also have excess limites for Overhead Expense and Buy-Sell converage.

	Own Occupation
	1 to 5 Year Benefits
	30 to 720 Day Elimination
	75% of Income / $50,000 a Month
	Residual DI Rider
	Cola Rider
	$100,000 Month Overhead Expense
	$20,000,000 Buy-Sell

Rates are calculated after submission.

Click Here for Submission Form