About
| Accident & Sickness Disability | Accident Only Disability |
|
Issue Ages |
18 – 61 | 18 – 61 | |
| Guaranteed Renewability |
Guaranteed renewable to age 67; Conditionally renewable to age 75 |
Guaranteed renewable to age 67; Conditionally renewable to age 75 |
|
Noncancelable |
Noncancelable to age 67, conditionally renewable to age 75 |
N/A | |
| Max Monthly Benefit |
$20,000 | $5,000 | |
| Elimination Period (calendar days) |
30, 60, 90, 180, 365, 730 | 30, 60, 90, 180, 365, 730 | |
| Benefit Period | 6 mo., 1, 2, 5, 10 To Age 65, 67, 70 |
6 mo., 1, 2, 5, 10 | |
| Base Benefits | Total Disability Presumptive Total Survivor Transplant Rehabilitation Recurrent Disability Waiver of Premium Suspension during Military Service |
Total Disability Presumptive Total Survivor Rehabilitation Recurrent Disability Waiver of Premium Suspension during Military Service |
|
| Optional Riders | No cost Auto Increase Benefit Rider No cost Future Insurability Option Rider (FIO) Extended Regular Occupation True Regular Occupation Residual Disability Enhanced Residual Disability Catastrophic Disability Benefit Mental or Nervous & Substance Abuse Cost-of-Living Adjustment Return of Premium Cash Value Benefit Social Insurance Supplement |
No cost Auto Increase Benefit Rider No cost Future Insurability Option Rider (FIO) Extended Regular Occupation True Regular Occupation Residual Disability Enhanced Residual Disability Catastrophic Disability Benefit Mental or Nervous & Substance Abuse Cost-of-Living Adjustment Return of Premium Cash Value Benefit Social Insurance Supplement |
Eligibility Requirements:
- Work at least 30 hours per week
- Age 18-61
- Annual income of at least $15,000
- Employees who have been with their current employer for 3 months
- Self-employed individuals who have been in business for 2 years
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Producer Use Only | Forms | 11/27/2024 | Click Here |
| Producer Use Only | Product Microsite | 10/23/2024 | Click Here |
| Producer Use Only | Multi-Carrier Underwriting Guide | 12/18/2024 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Producer Use Only | Mutual Perks Producer Flyer | 10/18/2024 | 461403 | Click Here |
| Producer Use Only | Underwriting Quick Reference Guide | 10/23/2024 | 462720 | Click Here |
| Producer Use Only | Producer Guide | 10/23/2024 | 458137 | Click Here |
| Producer Use Only | Increase Your Placement Rate Producer Flyer | 10/23/2024 | 602467 | Click Here |
| Producer Use Only | State Approval Map | 10/23/2024 | 460418 | Click Here |
| Producer Use Only | Quick Start Guide | 10/23/2024 | 462721 | Click Here |
| Producer Use Only | Accident Only Guaranteed Renewable Specimen Policy | 10/23/2024 | D90-25771 | Click Here |
| Producer Use Only | Accident/Sickness Non-Cancelable Specimen Policy | 10/23/2024 | D90-25771 | Click Here |
| Producer Use Only | Accident/Sickness Guaranteed Renewable Specimen Policy | 10/23/2024 | D90-25771 | Click Here |
| Consumer Use | Consumer Flyer | 10/23/2024 | 455814 | Click Here |
| Consumer Use | Consumer Brochure | 10/23/2024 | 455813 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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