Available for a wide range of occupation classes (5A, 4P, 4A, 3P, 3A, 2A, A and B), The Protector+ is designed for flexibility. Based on a guaranteed renewable chassis, it features provisions such as:
Presumptive Total Disability
Total Disability Benefit - because of injury and sickness, the insured is:
Unable to perform the substantial and material duties of his or her regular occupation
Not engaged in any other gainful occupation
Under the regular care of a physician
Waiver of Premium Benefit
Rehabilitation Benefit
Survivor Benefit
Cosmetic or Transplant Surgery Provision
The Protector+ utilizes optional riders that allow you to customize the product to suit your clients' specific needs. Optional riders include:
Indexed Cost of Living 3% or 6% (all occupation classes)
Supplemental Social Insurance (all occupation classes)
Own Occupation (5A, 4P, 4A, 3P & 3A - all 3A except dentists, podiatrists and self-employed stock brokers and all 4A except self-employed stockbrokers)
Noncancelable Policy (all occupation classes)
For more information
For more information about The Protector+SM (The ProtectorSM in California), contact us at or call (800) 992-4446.
Policy and rider provisions, and their availability, may vary by state. This information is intended only for the insurance producer and not for the general public. Policy Form No. B152
