Safeguard Your Professional Expertise

This option broadens the definition of total disability to match your specific occupation, covering you for up to 5 years or the full benefit period.

Ideal for:

Professionals such as surgeons, lawyers, or specialists whose expertise is tied to a particular occupation.

This coverage offers partial income replacement if you can work part-time while recovering from a disability, calculated based on your lost earnings.

Ideal for:

People returning to work gradually after a disability, who can perform limited duties.

This option provides extra benefits if you experience a serious disability, such as the loss of two or more daily activities (ADLs) or cognitive impairment.

Ideal for:

Individuals who want added security against major, life-changing disabilities.

Covers past work before the policy started.

More time for reporting claims once the policy expires.

Lets you raise your coverage at designated times without needing extra medical exams.

Ideal for:

Young professionals expecting their income to grow over time.

Returns a portion of premiums if the policy is canceled, lapses, or when you reach age 65, after accounting for any claims paid.

Ideal for:

Those who want some financial return if no claims are filed.

Automatically boosts your monthly benefit by 5% each year during the benefit period, up to twice the original amount.

Ideal for:

Individuals worried about inflation reducing the value of their benefits over time.

Ensures that your premiums remain fixed and your coverage cannot be canceled by the insurer until age 65.

Ideal for:

Individuals looking for predictable, long-term stability in their insurance plan.

Necessary when you serve, sell, or allow alcohol consumption.