Transition LTD
Disability insurance for employees who lose their group LTD coverage due to job termination
- Provides interim coverage during career transition period
- Available benefit periods to age 60, 65
- Monthly benefits up to $10,000
- 2 year regular occupation definition (similar to most group LTD plans)
- Issue ages up to 60
- Simple application and underwriting process
- Ideal for single or multi-life (e.g. employer downsizing) applications
- Employer or employee paid
- Underwritten by Reliable Life Insurance Company
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SecureDI
Individual disability insurance for those who have been declined for medical reasons
- Coverage for both accident and sickness
- 10, 5 and 2 year benefit periods
- Optional benefit period to age 65 for accident
- Monthly benefits up to $10,000
- Regular occupation definition throughout
- Partial disability benefits included
- Optional Premium Refund Rider
- Target market white/gray collar executives, professionals, business owners
- Underwritten by Reliable Life Insurance Company
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SecureLIFE
Individual life insurance for those who have been declined for medical reasons
- Level term insurance for 20 years, or until age 75, whichever occurs first
- Issue ages 20 to 65
- Face amounts $50,000 to $500,000
- Optional Premium Refund Rider
- Full underwriting, full benefits from issue
- Web-based quotation facility
- Underwritten by ACE INA Life Insurance
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Lloyd’s Disability Insurance
Individual disability insurance for unique cases that cannot be issued by a traditional DI insurer
- Income Replacement, Business Overhead, Buy-Sell and Key Person plans
- Flexible structure can be customized to meet individual client needs
- High limit coverages for personal or business needs – sums insured up to $20 million
- Foreign travel or residence – anywhere in the world
- Short term coverage requirements e.g. during leave of absence, waiting period for group LTD
- Coverage for those age 60 to 70 and still working
- High risk occupations and hobbies
- Underwritten by certain underwriters at Lloyd’s, London
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Lloyd’s Personal Accident Insurance
An excellent supplement or alternative to life insurance in many situations
- AD&D (accidental death and dismemberment) or AD only
- Optional Permanent Total Disability
- Sums insured up to $20 million
- Life insurance medical declines
- Life insurance declines for foreign travel or residence (anywhere in the world)
- Specific risk e.g. covering exclusions in individual or group life plans (avocation, travel, war)
- Available on individual or group basis
- War/terrorism coverage – standalone or add-on
- Underwritten by certain underwriters at Lloyd’s, London
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