Reduced Disability Insurance premiums
About the Course
A simplified application with no medical exam or blood test required ¡ Up to a maximum monthly benefit of $25,000 (nontaxable) throughout your career without medical evidence; Individually owned contracts of insurance; Guaranteed premiums and provisions to age 65; HIV and hepatitis B and C coverage; Choice of Own Occupation definition of disability; Exclusive option to add the Retirement Protector policy later on – with premium savings and no medical underwriting; Substantial premium reductions to age 65, and 12 months of waived premiums for students, 5 months for residents and fellows; Choice of critical illness protection without medical or financial underwriting; Exclusive option to add business protection later on — with premium savings and no medical underwriting; The option to continue disability protection beyond age 65 or convert it to long term care insurance for lifetime protection
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