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This policy provides cash benefits to help replace your lost income if you are totally disabled and unable to work due to illness or injury.

The Income Protector benefits are payable directly to you (or someone you designate) when you h ave a covered total disability.  These cash benefits can be used any way you choose and are portable, which means if you change employers you can keep your coverage without interruption.

Below is a summary of the benefits provided by the Income Protector.

How Income Protector can help you!

Benefits are paid directly to you for covered total disability due to an accident or sickness for the up to 2 years*, depending on the plan selected.  you are protected 24 hours a day, 365 days a year.

Your are considered “totally disable” when you are under the regular care of a physician and are unable to perform all the substantial and material duties of your own occupation.

Loss of Time for Health Screening Benefit

After the policy is in force for 90 days, you will be paid a Health Screening benefit of $200 once per policy year for loss of time due to health screening test or procedures including but not limited to:

  • Bone marrow testing
  • Colonoscopy
  • HDL and LDL
  • Mommography
  • Blood test for triglycerides
  • Breast ultrasound
  • Pap smear
  • Wellness exam

Daily Hospitalization Benefit

If you are totally disabled and confined as an inpatient in a hospital, this policy will pay a daily benefit each day you are hospitalized.  The daily benefit is calculated based on the monthly targeted replacement income you select.  In no event will the daily hospitalization benefit be less than $450.  This benefit is payable for a maximum of 365 days per hospitalization.


Fore more detailed information & how to apply for this coverage, please fill out the form bellow to set up an appointment.


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