SIMPLIFIED UNDERWRITING - Up to $3000 Sickness and Accident Monthly Benefits up to age 70. No medical exams, blood work, tax returns or other underwriting tests unless required because of medical history.

• Your "OWN OCCUPATION" Disability.
  Total disability means that, due to injury or sickness, you are unable to perform the substantial and material duties of your occupation for the first five years and are receiving regular medical care by a physician. After five years, benefits will continue if you are unable to perform the duties of any gainful occupation for which you are reasonably fit by education, training or experience. You must be receiving regular medical care from a physician other than yourself.
  
  
• Partial (residual), disability benefits payable after a 20% income loss.
  Residual Disability means you are unable to perform one or more of the substantial and material duties of your occupation, or for as much time as is normally required, and you suffer a 20% or greater income loss.
  
  
• Renewal guaranteed to age 70.
  
  
• Plan features and definitions guaranteed to age 70.
  
  
• Step rate premiums.
  
  
• Ability to insure up to 70% of your income, $10,000 monthly maximum. Subject to issue and participation limits.
  
  
• Choice of waiting periods: 30, 60, 90 and 180 days.
  
  
• Optional benefit riders - guaranteed purchase option, cost of living benefit.
  
  
• No offsets by Social Security or other insurance coverages.
  
  
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