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

  • True Own Occupation with Medical/Dental Specialty Language

  • 15% loss of income with loss of time or duties

  • 3% COLA (Simple)

  • 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