DInamic Foundation
Noncancelable and Guaranteed Renewable
Individual Disability Income Insurance
Conditionally Renewable for Life
Occupational Classes:
- Non-Medical Occupations: 6A, 5A, 4A, 3A and 2A
- Medical Occupations: 6M, 5M, 4M, 3M and 2M
Issue Ages: 18-64 (Age Last Birthday)
Non-Med up to $3,000
Elimination Period: 30, 60, 90, 180, 365 or 730 Days
Benefit Period: 1 Year, 2 Year, 5 Year, 10 Year, To Age 65, To Age 67 or To Age 70
Basic Policy Provisions: Nondisabling Injury Benefit, Good Health Benefit, Presumptive Total Disability Benefit, Surgical Transplant Benefit, Cosmetic Surgery Benefit, Survivor Benefit, COBRA Premium Benefit, Waiver of Premium
Riders Available: Enhanced Residual Disability Rider, Basic Residual Disability Rider, Cost of Living Adjustment Rider, Social Insurance Substitute Rider, Future Increase Option Rider, Catastrophic Disability Rider, Automatic Increase Rider
Special Features: The occasional use of a cigar (12 times per year or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine/nicotine.
Guaranteed Renewable
Individual Disability Income Insurance
Conditionally Renewable for Life
Occupational Classes:
- Non-Medical Occupations: 6A, 5A, 4A, 3A, 2A, A and B
- Medical Occupations: 6M, 5M, 4M, 3M, 2M and M
Issue Ages: 18-64 (18-60 occupational classes A, B and M) (Age Last Birthday)
Non-Med up to $3,000
Elimination Period: 30, 60, 90, 180, 365 or 730 Days
Benefit Period: 1 Year, 2 Year, 5 Year, 10 Year, To Age 65, To Age 67 or To Age 70
Basic Policy Provisions: Nondisabling Injury Benefit, Good Health Benefit, Presumptive Total Disability Benefit, Surgical Transplant Benefit, Cosmetic Surgery Benefit, Survivor Benefit, COBRA Premium Benefit, Partial Disability Benefit, Waiver of Premium
Riders Available: Enhanced Residual Disability Rider, Basic Residual Disability Rider, Cost of Living Adjustment Rider, Social Insurance Substitute Rider, Future Increase Option Rider, Catastrophic Disability Rider, Automatic Increase Rider
Special Features: The occasional use of a cigar (12 times per year or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine/nicotine.
Business Overhead Expense
Business Expense Disability Income Insurance
Conditionally Renewable for Life
Occupational Classes:
- Non-Medical Occupations: 6A, 5A, 4A and 3A and 2A
- Medical Occupations: 6M, 5M, 4M 3M and 2M
Issue Ages: 18-64 (Age Last Birthday)
Non-Med up to $3,000
Elimination Period: 30, 60 or 90 Days
Benefit Period: 12 Months, 18 Months or 24 Months
Basic Policy Provisions: Partial Disability Benefit, Recovery Benefit, Waiver of Premium, Presumptive Total Disability, Surgical Transplant, Good Health Benefit, Benefit Continuation after Death
Riders Available: Substitute Salary Expense Rider, Future Increase Option Rider
Special Features: The occasional use of a cigar (12 times per year or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine/nicotine.
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 06/27/2024 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 08/07/2024 | Click Here |
Consumer Use | Company Overview Brochure | 06/28/2024 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Underwriting Guidelines – U.S. Residents Who are ot U.S. citizens | 08/29/2024 | LI-2581 | Click Here |
Producer Use Only | Global Traveler Underwriting Guidelines | 08/29/2024 | LI-2582 | Click Here |
Producer Use Only | Quick Reference Guide | 07/30/2024 | DI1599 | Click Here |
Producer Use Only | Business Overheard Expense Specimen Policy | 07/30/2024 | DI1428 | Click Here |
Producer Use Only | Guaranteed Renewable Specimen Policy | 07/30/2024 | DI1429 | Click Here |
Producer Use Only | Noncancelable and Guaranteed Renewable Specimen Policy | 07/30/2024 | DI1430 | Click Here |
Producer Use Only | Medical Market Summary Flyer | 07/30/2024 | DI1409 | Click Here |
Producer Use Only | DInamic Foundation vs. Standard Disability Income Competitive Playbook | 07/30/2024 | DI1901 | Click Here |
Producer Use Only | DInamic Foundation vs. Principal Disability Income Competitive Playbook | 07/30/2024 | DI1841 | Click Here |
Producer Use Only | DInamic Foundation vs. Northwestern Mutual Disability Income Competitive Playbook | 07/30/2024 | DI1907 | Click Here |
Producer Use Only | DInamic Foundation vs. Mass Mutual Disability Income Competitive Playbook | 07/30/2024 | DI1903 | Click Here |
Producer Use Only | DInamic Foundation vs. Illinois Mutual Disability Income Competitive Playbook | 07/30/2024 | DI1906 | Click Here |
Producer Use Only | DInamic Foundation vs. Assurity Disability Income Competitive Playbook | 07/30/2024 | DI1339 | Click Here |
Consumer Use | Benchmarking of Disability Income Insurance Competitors | 07/30/2024 | HC1393 | Click Here |
Consumer Use | Consumer Brochure | 07/30/2024 | DI1227 | Click Here |
Consumer Use | Financial Strength Highlights | 06/28/2024 | HC 1449 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
You must be logged in to use this feature.