A HOT PRODUCT

• Guaranteed to Issue: Injury Only coverage
• 1st day Injury, payable to age 70 or 5 years
• Option: add Sickness to age 70 or 5 years (minimal underwriting)
• Gross Income used to determine benefit amount (not "net income")
• Almost all challenging occupations can be covered (eg. courier drivers)
• Full Disclosure form showing contract wording with every application
• 2 page application (less if Injury only applied for)
• Overhead Expense (O.E.) for any business! (premium is tax deductible)

WHAT IT'S GOT!

• $10,000 Accident Medical Benefit (eg. hospital costs, private duty nurse, etc.)
• Excellent definition of "Total Disability": 3 year "Regular Occ" + modified "Any Occ" (80% of Qualifying Benefit)
• 6 month Partial at 50% (no prior period of Total Disability required) pays 1/2 of benefit while working part-time regardless of income earned
• Benefit at claim based on income from highest of: last 6 months; last tax year; best 2 out of last 3 years

OPTIONS

• $100,000 - $300,000 Accidental Death & Dismemberment (100% Loss of Use) paralysis due to accident lasting 12 months results in 100% pay out!  tax free.
• $5M Travel Insurance! up to 30 day trips (no pre-existing limitations)

WHAT IS NOT COVERED?

• Stress, mental and nervous conditions
• AIDs, HIV , drinking & driving, illegal drugs, war, etc.
• Hazardous hobbies (while performing them) eg. Bungee jumping, sky diving, mountain climbing, etc. Note: skiing is covered!!

WHERE IT BEATS THE LOT!

• New in Business - even if just started!! (based on prior job?s years income)
• "No" net income ?? Benefit can be based on business gross income
• Medically Uninsurable (but working)? - Injury Only benefit (eg. Heart attack)
• History of stress, depression, Prozaq use, etc. - Full Injury & Illness coverage available!
• Repetitive Motion conditions (like soft tissue) covered under Injury. (i.e. carpal tunnel)
• Injury Only DI + Critical Illness  (solution to accidents not covered by CI)