Protector Essential

Your coverage is guaranteed renewable to the policy's termination date as long as you pay the premium on time. We will not change any part of the policy, except for the premium. Even then, we may only change the premium after the policy is three years old and if the change applies to all policies with similar benefits insuring the same risk class.

With the Renewal Option, you may ask to continue the policy beyond its termination date if you are working at least 30 hours per week and are not disabled at the time of your request. Certain limitations apply.

The policy pays a monthly benefit if you cannot work in your regular occupation because of a total disability. A total disability is when, because of your injury or sickness, you are not able to perform the substantial and material duties of your regular occupation, and you are under the care of a physician, and you are not working in any other gainful occupation. Benefit payments begin after you have been totally disabled through the waiting period that you selected when you applied for insurance.

You are eligible for the total disability benefit if an injury or illness results in loss of speech, hearing, sight or the use of two limbs, as defined by the policy.

If you participate in a rehabilitation program to prepare for returning to work, this benefit can pay for part or all of the costs for up to 36 months. And if you return to work part-time or with limited duties while in the rehabilitation program, the Rehabilitation Benefit can also help you to continue to receive the maximum monthly benefit amount.

This benefit pays a monthly amount if you are not totally disabled but you incur at least a 20 percent loss of income because you are not able to do all of your duties, or you are able to do all of your duties but for not as long a time or not as effectively as before your disability. Included with this benefit is a Recovery Benefit that pays a lump sum amount when you return to work at least 30 hours per week immediately after a period when residual disability benefits were paid.

If you die while receiving total disability benefits, we will pay the policy's basic monthly benefit to the owner or owner's estate for up to three months after your death.

We waive all premiums due under the policy while disability or recovery benefits are payable.

We pay a monthly benefit if you become totally disabled more than six months after the policy's effective date because of a sickness or injury caused by cosmetic or transplant surgery.

As you advance in your career, your income will likely increase. This option allows you to purchase increases in your coverage once per year without medical evidence of insurability.

With this rider, the monthly benefit will increase by up to 3 or 6 percent annually while you remain disabled, based on changes in the Consumer Price Index. You also have the option, upon your recovery, of purchasing the increased benefit amount provided by this rider while you were disabled. No underwriting is required for this purchase.

We pay an additional monthly benefit if you suffer a catastrophic disability that prevents you from performing certain activities of daily living, as defined in the policy.