DI as an employee benefit

Multi-life DI: Income protection for valuable employees

As a business owner, you know the value of great employees. You may have fringe benefits or bonus plans in place, but what about income protection if an employee becomes disabled and can’t work?

With a multi-life Guaranteed Standard Issue (GSI) program, your select group of employees may be eligible for individual DI policies that are portable and permanently discounted

What is multi-life Guaranteed Standard Issue?

Multi-Life GSI offers a streamlined underwriting process on the group, evaluated as a whole. We will then issue to qualified employees an individual non-cancellable policy with no medical requirements, exclusions, or ratings, at a discounted premium.


There’s no financial documentation required and only a few qualifying questions to answer. No labs, medical exams or detailed medical questions.
For some employees, it’s likely that a group disability policy limits the benefit amount, leaving what could be a substantial coverage gap, should they become disabled.
An individual disability income insurance policy can provide stand-alone protection or supplement any group long term disability coverage you may currently offer.
With GSI, your covered employees own their policies and can keep them – along with the permanent premium discount – even if they change employers.
Employers with 25 to 1,000 employees are among the most likely candidates for Multi-Life GSI programs. Discounted premiums are also available to fully-underwritten groups of as few as five employees.

Multi-life DI gives your eligible employees:

Portable and permanently-discounted policies

The marked-down policy stays with them, even if they change employers.

Easier underwriting

No financial documentation, labs, medical exams or detailed medical questions are required.

Stand-alone or supplemental coverage

An individual DI policy can stand on its own or supplement any group long-term disability coverage already in place.

Disability income insurance policies issued by Ohio National Life Assurance Corporation. Product, product features and rider availability vary by state. Guarantees are based upon the claims-paying ability of the issuer. Disability income insurance is not available in CA. Issuers not licensed to conduct business in NY.

Disability income insurance policies contain exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For complete details of coverage, contact your financial professional or the company.