Benefits
| Blue/Silver Series | Platinum Series | ||||
| Blue | Silver | Platinum | Platinum Plus |
Platinum eZ-Select |
|
| Benefit Period | 2 years | 5 years | 1,2, 3 or 5 Years | ||
| Min-Max Monthly Benefit |
$500 to $6,000 | $500 to $15,000 | |||
| Replacement Ratio | Up to 50% for classes A & BUp to 60% for AAA & AA | Up to 60% | |||
| Disability Due to Sickness, Mental or nervous disorders | Non – Graded | Graded 33% – 66% – 100% |
Graded 40% – 75% – 100% |
||
| Disability Due to Injury | Non- Graded | Graded 33% – 66% – 100% |
Graded 40% – 75% – 100% |
Non-Graded | |
| Presumptive Disability | NA | Yes | |||
| Definition of Disability | Own Occupation for 24 months | Own Occupation for full benefit period | |||
| Mental or Nervous Disorders | 50% monthly benefit due to injury or sickness limit to 6 months | ||||
Applicant
| Blue/Silver Series | Platinum Series | ||||
| Blue | Silver | Platinum | Platinum Plus |
Platinum eZ-Select |
|
| Occupations | Blue Collar | White Collar | |||
| Primary Use | High Risk Occupations | Moderate to severe Health impairments and High Risk Occupations |
Moderate to severe Health impairments | ||
| Issue Age | 18-63 | 18 – 60 | |||
| Minimum Income | $20,000 / year | $30,000 /year | |||
| Minimum Hours Worked | 30 hours / week | ||||
Rates
| Blue/Silver Series | Platinum Series | ||||
| Blue | Silver | Platinum | Platinum Plus |
Platinum eZ-Select |
|
| Benefit amount | Annual Premiums are calculated per $100 of Monthly Benefit Amount requested | ||||
| Elimination Periods (Days) | 30 – 60 | 30 -60 90 -180 |
60 – 90 – 120 180 – 365 |
90 – 120 – 180 – 365 | 30, 60, 90, 120, 180, 365 or 730* |
| Smoker/Non Smoker Rates | No | Yes | |||
| Gender Specific Rates | No | Yes | |||
| Occupational Class specific rates |
Yes – 4 Occupational Classes | No | |||
| Age | Level | Level to Age 65 | |||
* Not all elimination periods, benefits periods and riders are available in all states where the product is approved
Other Benefits
| Blue/Silver Series | Platinum Series | ||||
| Blue | Silver | Platinum | Platinum Plus |
Platinum eZ-Select |
|
| Waiver of Premium Benefit | Yes – Prior to age 65 | ||||
| Partial Disability Benefit | No | Available as Optional Rider | Yes – 50% for 6 months | ||
| Survivor Benefit | No | Yes- 2x Monthly Benefit | |||
| Hospital Indemnity Benefit | No | Yes- $30 / day up to 90 days | |||
| AD&D Benefit | No | Yes – Up to $5,000 | |||
| Renewability | Conditionally or Optionally Renewable to Age 70 | Guaranteed Renewable to age 65 Conditionally Renewable to age 70 | |||
Riders
| Blue/Silver Series | Platinum Series | ||||
| Blue | Silver | Platinum | Platinum Plus |
Platinum eZ-Select |
|
| Partial Disability Benefit | NA | Yes – 50% for 6 months | Included in Base Benefit | ||
| Own Occupation Extension Rider | NA | 5 Year Own Occupation | Included in Base Benefit | ||
| Home Health Care Benefit | NA | $50 – $100 per day for home health care services up to 2 years | NA | ||
| Hospital Indemnity Benefit | NA | $25 – $100 per day up to 365 days | NA | ||
Availability
| Blue/Silver Series | Platinum Series | ||||
| Blue | Silver | Platinum | Platinum Plus |
Platinum eZ-Select |
|
| States Approved Platinum Plus replaces Executive Platinum in states where it is approved. | Available in most states except in: AL, AK, CO, CT, FL*, ID, ME, MI, MT, NH, NM, NY, NC, OK, PA, SD, VT | Available in most states except in: AL, AK, CO, CT, FL*, ID, KS, ME, MT, NH, NM, NY,NC, OK, PA, SD, VT | Available in most states except in: AL, AK, CO, FL* ID, IN, ME, MD, MI, MT, NH, NY, ND, OR, PA, SD, UT, VT |
Available in most states except in: AL, CO, FL*, ID, ME, MO, NH, NM, VT | |
*Call us about products available in Florida.