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Disability Income

Individual Disability Carriers


  • Features 6 different definitions of Disability
  • True own occupation protection available ranging from 2 years to age 65 depending on occupation class
  • Multi-Life Discounts available.
  • Guaranteed Standard Issue for employer sponsored programs


  • Age 65 true own occupation protection for Surgeons and Dentists
  • Unisex rates for employer sponsored multi-life programs

Mass Mutual

  • Own occupation rider available for upper occupation class
  • Discounts available for multi-life groups
  • Insures both white and blue collar occupations
  • Will insure Federal Employees

Principal Mutual

  • Features simplified underwriting process
  • Competitive with both white and blue collar occupations

Mutual of Omaha

  • Features both short term and long term disability coverage
  • Will insure difficult occupation classes such as police and firefighters

Fidelity and Security Life

  • Impaired Risk Disability Coverage - will insure most illnesses and conditions not insurable through standard carriers.