Individual disability income (DI) insurance
If you’re like most people, your income makes everything else possible. Without it, you likely could not pay for your house, vehicles or your children’s education. And it has the potential to be substantial over your working lifetime. But to earn it, you must be able to work.
Simply put: DI insurance helps safeguard your paycheck when you can't work to earn it.
What is disability income insurance?
Disability income (DI) insurance helps provide you with replacement income in the event you are unable to work due to an illness or injury that’s covered by your policy.
You can purchase your monthly benefit amount with a lower initial premium that increases annually through age 55. You have the option to convert the benefit to level premium, up to age 50.
Allows you to increase your coverage annually, up to age 60, with only financial proof of insurability.
To help offset the negative impacts a disability may have had on your ability to save for retirement, this rider pays out a lump sum payment at age 65 equal to 25% of your policy's eligible benefit payments you received while disabled.
This rider replaces the definition of total disability in the base policy. When you purchase this rider, benefits are payable when disability prevents you from working in your own occupation, even if you are working elsewhere.
Provides an extra monthly benefit to help pay down your student loan obligation if you are totally disabled.
Individual DI can help you:
By helping safeguard your income, DI coverage may help you enjoy peace of mind. We cover hundreds of occupations, from doctor to dock master.
Our individual product can be tailored to meet your needs – and budget. Riders boost coverage beyond the base policy and often the cost is minimal.