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Guaranteed Issue Disability

we were able to secure a guaranteed issue monthly benefit amount of $10,000. The rates were 20% less than street rates. The firm chose to carve out 11 Attorneys and also offer the program on a voluntary basis to all employees.

Employee participation was over 70% as the employees appreciated the opportunity to secure discouted portable coverage they could never get on their own.  Note many people in this group would have been unisurable or had exclusions if normal medical underwriting has been required.  They received standard contracts.

• No medical underwriting
• No financial underwriting
• Permanent Non-cancellable portable coverage
• Rates and benefits are guaranteed never to change
• Coverage in your "own occupation" for the full benefit period
• Voluntary or Employer paid or both by carving out key people

Disability Protection is the most overlloked benefit by Attorneys. This is the absolute best way to get it.