CompanyProduct Name
Monthly Benefit
Monthly Premium
Cost/month for $100/month of benefit
Company Structure
A.M. Best
COMDEX
Renewability Provision
Definition ofTotal Disability
Definition ofResidual Disability
Cost of Living Adjustment
Compassionate Disability Benefit
Future Increase Options
Max age for FIO
Renewability of FIO
Automatic Increase Benefit
Limitation on Mental/Nervous
Presumptive Disability
Survivor Benefit
Recurrent Disability
Catastrophic Disability Benefit
Special/UniquePlan Provisions
Multi-Life discount offered
Multi Life Rate Structure
Max Issue Limit
Max Participation Limit
Benefit Period
Elimination Period
BenefitPeriod
Monthly Benefit
Monthly Premium
Cost per $100
AmeritasDINamic Foundation
$287.50
$9000
$287.50
$3.19
Mutual
A
84
Non-Cancelable and Guaranteed Renewable
[frmmodal label=”True Own Occupation with Medical/Dental Specialty Language” type=”frm-field-value” field_id=5093 entry=73047]
[frmmodal label=”15% loss of income with loss of time or duties” type=”frm-field-value” field_id=5034 entry=73047]
[frmmodal label=”3% COLA (Simple)” type=”frm-field-value” field_id=5041 entry=73047]
Not Offered
100% of FIO pool is available in any given year until 40, ages 41-55, 50% of available pool per year
55
Remains on policy without additional requirements
4% simple interest for years 1-5
Yes – 24 months maximum
Yes
No
Same illness/injury within 12 months
Yes
Good Health Benefit, Non Disabling Injury Benefit, COBRA benefit
3% COLA (Simple)
Male/Female
$15,000
$25,000
to age 67 (own occupation for entire benefit period)
90 days
9000
287.50
3.19
MetlifeIncome Guard
$302.50
$9000
$302.50
$3.36
Stock
A+
96
Non-Cancelable and Guaranteed Renewable
[frmmodal label=”True Own Occupation with Medical/Dental Specialty Language” type=”frm-field-value” field_id=5093 entry=73048]
[frmmodal label=”15% loss of income with loss of time or duties” type=”frm-field-value” field_id=5034 entry=73048]
[frmmodal label=”3% COLA (Compound)” type=”frm-field-value” field_id=5041 entry=73048]
Not Offered
Can apply for one unit of increase in any year
51
Remains on policy without additional requirements
4% simple interest for years 1-5
No
Yes
Yes
Same illness/injury within 12 months
Yes
Waiver of premium during a period of unemployment, Return of Premium
3% COLA (Compound)
Unisex
$17,000
$25,000
to age 67 (own occupation for entire benefit period)
90 days
9000
302.50
3.36