Disability Income Advantage

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Disability Income Advantage
Selling Tips
For Insurance Producer Use Only
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Disability Portfolio
Why do I need disability insurance?

• According to the U.S. Census Bureau, nearly 1 in
  5 Americans will become disabled four or more
  years before the age of 65.
• It may be difficult to qualify for Social
  Security disability benefits. According to the
  Social Security Administration, in 2003 roughly
  70 of applications were denied. Your eligibility
  depends on whether or not you are incapable of
  working at all, whether or not its your usual
  occupation and if your condition is expected to
  last a year or more or result in death.

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Disability Portfolio
A cutting edge policy concept providing more
flexibility and benefits than other DI plans
Disability Income Advantage is an individual
disability income policy developed to help
workers protect their wealth and assets if they
lose the ability to receive a regular paycheck
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Disability Portfolio
DIA provides many unique and beneficial
best-in-class features employees demand in
todays environment.

• Partial Disability
• Catastrophic disability
• Survivor Benefit
• Terminal Illness
• Waiver of Premium
• Recurrent Disability
• All included in the base policy at no additional
  cost

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Disability Portfolio
Optional benefit choices providing comprehensive
coverage for employees

• Compliments existing employer sponsored PTO plans
• Non occupation or 24-hour
• Hospital Confinement
• COBRA waiver benefit
• Stack on benefit for Additional Monthly Income

Disability with all the bells and whistles!
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DIA can be effectively packaged with
Disability Portfolio

• Accident Plus provides accident coverage for
  Emergency Room and ambulance costs.
• Critical Illness the partial benefit in DIA
  will help ease the insured back to work

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Underwriting that understands your case needs
Disability Portfolio

• GI, CGI, and SI underwriting options
• Ability to accept takeover cases
• Excellent compensation hi-low and level options
• Guaranteed renewable and portable

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DIA offers many value added services such as
Disability Portfolio

• Benefit communication with core/voluntary pricing
• Electronic enrollment capabilities
• Work life resources such as legal, personal and
  financial

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DIA FAQs
Disability Portfolio

• Q. What is the definition of Total Disability?
• A. The insured (due to sickness or injury) is
  unable to perform the substantial and material
  duties of his or her regular occupation
• Q. Do premiums change as the insured ages?
• A. No. The premium rate established at the time
  of issue is set unless there is a premium rate
  increase.
• Q. What is the major advantage to DIA over group
  disability policies?
• A. DIA is a guaranteed renewable policy and as
  such, cannot be cancelled by Kanawha or the
  employer.

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