Individual Disability Insurance

  • Family Care Benefit

    Offer your clients coverage that pays them a benefit if they need to take time away from work to care for a child, parent or spouse with a serious health condition. This benefit is exclusive to The Standard and provides a monthly benefit for an income loss of 20 percent or greater, reducing the financial impact of income loss and medical expenses when caring for a family member.1

  • Automatic Increase Benefit Rider

    Help your clients ensure their coverage keeps up with increases to their income. This rider automatically provides basic monthly benefit increases of 4 percent each year, for six consecutive years, without evidence of insurability.

  • Own Occupation Rider

    Offer optional coverage for highly specialized professionals who become disabled and are unable to perform the substantial and material duties of their regular occupation, even if they can work in another occupation for wage or profit.2

  • Residual Disability Rider

    Provide your clients an optional benefit if they are residually disabled, rather than totally disabled, based on loss of income, duties and/or time. Platinum Advantage comes with three residual disability benefit options.

  • Benefit Increase Rider

    Present your clients with the option to purchase additional coverage once every three years on their policy anniversary, without going through medical underwriting. This rider provides clients with increased benefits to align with larger increases in income. Clients may also apply for an accelerated increase prior to the third anniversary, if they meet eligibility requirements stated in the rider.

You can provide income protection that meets the unique needs of your clients with Platinum Advantage, The Standard’s new individual disability insurance product. Platinum Advantage builds on the strong contract of our previous products, while allowing for more flexibility to best fit your client’s occupation, income and lifestyle. Let's start working together to help you make stronger connections with your clients and increase your sales.

 

Start Big with Platinum Advantage

 

Platinum Advantage not yet available in your state? Check out:
Protector PlatinumSM | Protector EssentialSM

 

  • Family Care Benefit

    Offer your clients coverage that pays them a benefit if they need to take time away from work to care for a child, parent or spouse with a serious health condition. This benefit is exclusive to The Standard and provides a monthly benefit for an income loss of 20 percent or greater, reducing the financial impact of income loss and medical expenses when caring for a family member.1

  • Automatic Increase Benefit Rider

    Help your clients ensure their coverage keeps up with increases to their income. This rider automatically provides basic monthly benefit increases of 4 percent each year, for six consecutive years, without evidence of insurability.

  • Own Occupation Rider

    Offer optional coverage for highly specialized professionals who become disabled and are unable to perform the substantial and material duties of their regular occupation, even if they can work in another occupation for wage or profit.2

  • Residual Disability Rider

    Provide your clients an optional benefit if they are residually disabled, rather than totally disabled, based on loss of income, duties and/or time. Platinum Advantage comes with three residual disability benefit options.

  • Benefit Increase Rider

    Present your clients with the option to purchase additional coverage once every three years on their policy anniversary, without going through medical underwriting. This rider provides clients with increased benefits to align with larger increases in income. Clients may also apply for an accelerated increase prior to the third anniversary, if they meet eligibility requirements stated in the rider.

Automatic Increase Benefit Rider

Help your clients ensure their coverage keeps up with increases to their income. This rider automatically provides basic monthly benefit increases of 4% each year, for six consecutive years, without evidence of insurability.

Family Care Benefit

Offer your clients coverage that pays them a benefit if they need to take time away from work to care for a child, parent or spouse with a serious health condition. This benefit is exclusive to The Standard and provides a monthly benefit for an income loss of 20% or greater, reducing the financial impact of income loss and medical expenses when caring for a family member.1

Residual Disability Rider

Provide your clients an optional benefit if they are partially disabled, rather than totally disabled, based on loss of income, duties and/or time. Platinum Advantage comes with three residual disability benefit options.

Own Occupation Rider

Offer optional coverage for highly specialized professionals who become disabled and are unable to perform the substantial and material duties of their regular occupation, even if they can work in another occupation for wage or profit.2

Benefit Increase Rider

Present your clients with the option to purchase additional coverage once every three years on their policy anniversary, without going through medical underwriting. This rider provides clients with increased benefits to align with larger increases in income. Clients may also apply for an accelerated increase prior to the third anniversary, if they meet eligibility requirements stated in the rider.

Many people haven't thought about income protection or how they would pay their bills if they were injured or ill and couldn’t work. Through a series of conversations, we learned valuable insights from everyday people about how to make individual disability insurance relevant to your clients.

IDI Connect - The Standard's
Income Protection Newsletter

Subscribe for ideas on selling income protection and more
information about Platinum Advantage.

 

Start Big with Platinum Advantage

 

Interested in reaching more customers? We’ve designed versatile income protection plans that work for a wide range of individuals. Contact your general agent to learn more about Platinum Advantage.

If Platinum Advantage isn't yet available for your state, check out
Protector Platinum | Protector Essential

 

1 Family members include a client's spouse or domestic partner, parents and children (including adopted children, stepchildren and children of the client’s domestic partner).

2 Regular occupation is the occupation in which your client is regularly engaged at the time disability begins and can include a professionally recognized specialty in medicine or dentistry or as a trial attorney.