Remember the BIR Accelerated Option

Platinum Advantage's Benefit Increase Rider allows policyowners to increase their income protection coverage every three years without medical underwriting. But what if they need to increase their coverage sooner?

Policyowners 50 or younger may be able to take advantage of the Accelerated Option.

They can apply if they met either of the requirements below in the previous 90 days:

• The policyowner has increased earnings by at least 30 percent since the policy effective date or the last option date, whichever is more recent.
• The policyowner experienced an involuntary loss of group long term disability insurance (such as, if he or she moved to a new employer that doesn't offer LTD).

Talk to your producers to make sure they're recommending the BIR Accelerated Option when their clients get a big promotion or lose their LTD benefits. Don't hesitate to contact your regional director or case manager if you have questions about the BIR Accelerated Option.

For Producers Only