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Make sure to get your free personal disability quote. With D-I-P you
get the highest quality DI around. It includes the following hard-to-find
features:
Own-occupation - pays benefits if you are
unable to perform the "material and substantial"
duties of your own occupation due to sickness or injury…even if
you are at work in some other capacity.
Non-cancellable and guaranteed renewable to age
65 - What good is coverage that can be cancelled just when you
need it most? Guardian's policies stay in force as long as you keep
paying premiums on time - and premiums are guaranteed to stay the same
until age 65.
Optional Benefit Riders - Optional riders can be added to your policy for extra value and protection (at an additional premium). Consider a rider:
- To receive benefits if you suffer an income loss from a partial, rather
than total disability (Residual Disability Riders)
- To have the option to increase your coverage once a year for a specified
number of years (Future Increase Option)
- To provide a 4% increase in your monthly benefits each year for five
years at attained age premiums - insure your increasing income (Automatic
Increase Rider)
- To help your disability benefit keep pace with inflation (Cost of
Living Adjustment Rider, or COLA)
- To help if you lose your employer sponsored long-term DI coverage
(Group Disability Insurance Replacement Rider)
- To help maintain your coverage if you become unemployed (Unemployment
Premium Waiver Option Rider)
- To work alongside Social Security benefits (Social Insurance Substitute
Rider)
For more information Contact us now.
Not necessarily protection
against increases in the cost of living.
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