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| Association and Worksite Division (AWD) |
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Why should you offer Disability Insurance?
- At age 35, you have a 50/50 chance of being unable to work for more than 3 months before you turn 65.1
- 4.4% of the U.S. population is disabled and cannot work at any given time.2
- Of these, only 19% receive Social Security Income2
- Income lost through disability is 2 times as great as auto accident losses, and 3 times as great as fire losses3
Disabilities are more common than you think!
Most people have insurance on their house and car. What is often overlooked is coverage of their income. American Fidelity offers a variety of voluntary disability plans tailored to fit the needs of your clients.
Highlights:
- Replaces up to 60 – 70 % of monthly income
- Covers the Insured for total disability due to a covered Accident or Illness
- Covers the Insured in hospital or at home
- Age at entry premiums
Benefits:
- Flexible waiting periods and benefit schedules
- Guarantee issue available if participation requirements are met
- Pre-existing conditions covered after 12 months
- Unique two-health question application
- Optional benefit riders available on a group basis
- Accident Rider – Protects against the financial consequences resulting from accidental loss of life, limb, sight, speech and/or hearing
- Cancer Rider – Provides a basic benefit for cancer diagnosed after the policy is in force
1 Society of Actuaries; Money May, April 2000
2 U.S. Census Bureau, Census 2002
3 Field Guide 2001
The information contained on this product page generally highlights the important features of the particular American Fidelity product listed, and does not constitute a statement of contract, nor a complete description of the conditions, benefits, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us.
For more information, please call toll free
1-877-WORKSITE (967-5748)
or email sales.success@af-group.com
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