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Assurity Balance I
Graded Benefit
Executive Platinum, Silver & Blue
Individual GR21 and NC21
Omni
Essential
Lloyd's Certificate
HH750
The Protector+℠

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*Call us for more information or for information on advanced products that are not listed below. This is for illustration purposes only. This is not full content. For more information and to confirm complete information please contact The Smith Companies

Carrier	Assurity	Assurity	Fidelity Security
Product	Assurity Balance I	Graded Benefit	Executive Platinum, Silver & Blue: Special Risk - Graded Benefits
Non-Cancelable	Yes (Rider - 4A and 3A Standard Risks)	No	No
Guaranteed Renewable	Yes	Yes	Yes
Benefit Periods (BP)	2, 5 yrs.; age 65	2,5,10 yrs	2 and 5 yrs.
Elimination Periods (EP)	30, 60, 90, 180	30(2yr BP only),60,90,180,365	30, 60, 90, 180, 365
Occupation Classes Offered (all policies) In descending order	4A, 3A, 2A & 1A	Classes 4A and 3A: 2, 5, and 10 year BP.Class 2A: 2 and 5 year BP.  Class 1A: 2 year BP	Platinum - Prof.& Execs. earning over $40k p/yr Silver - $20K p/yr. GB (graded benefit only) and IC(individual consideration) Blue - is a Non-Graded benefit program for substandard Occupation Classes
Presumptive	To end of benefit period. EP waived	To end of benefit period. EP waived	AD&D Benefit pays up to $5,000 if occurs during the first 90 of covered accidental injury.  Additional amounts can be purchased up to $500,000.
Total Disability	Initial Period (2 Yr. Own Occ): Substantial and Material duties of own occupation and requires a physician's care. After Initial Period: any occupation fitted by education, training, and experience. - Physicians care and NOT engaged in any gainful employment. * 5 Yr. Own Occ. available by rider on 5 Yr and to Age 65 contracts, for 4A and 3A Occ. Classes	Graded Benefit DI is a traditional definition of disability and graded benefit. Monthly Benefits for the duration of a disability beginning in the first policy year will be 35% of the non-graded Monthly Benefit. For the duration of a disability beginning in the second policy year, the Monthly Benefit will be 70% of the non-graded Monthly Benefit. The non-graded Monthly Benefit will be paid for total disabilities beginning in the 3rd policy year and thereafter.  * 5 Yr. Own Occ Available by Rider	Initial 2 Yr. Own Occ. - Material and substantial duties of his/her regular occupation.  After Initial Period, be completely unable to perform the material and substantial duties of any occupation reasonably fitted by education and training. 5 Yr. Own Occ. rider available for Platinum Product.  NOTE: Platinum and Silver are Graded Benefit Programs.  The Blue Program is a Non-Graded Benefit.  Although, if an individual is designated by Occ. Class (GB) must be filed under a Platinum or Silver Program depending on their yearly earnings.
Residual	25% income loss; Loss of income must be a result of injury or sickness.  Doctor's care.  Payment subject to EP only.  Partial for up to 6 months after a Total Disability Benefit.  50% loss of income.	Partial Disability Rider - Provides up to 50% of benefit for up to 6 months upon completion of EP or immediately following a period of total disability.  For an additional cost.	Partial Disability Rider - Provides up to 50% of benefit for up to 6 months upon completion of EP or immediately following a period of total disability.  For an additional cost.
Exclusions/ Limitations	Incarceration, Participation of a felony, Illegal Occupation, War, Self Inflicted Injury,90 days normal pregnancy. 2 yr. Mental, Nervous, Drug, Alcohol.  Foreign Travel and Pre-Existing Conditions.	Incarceration, Participation of a felony, Illegal Occupation, War, Self Inflicted Injury,90 days normal pregnancy. 2 yr. Mental, Nervous, Drug, Alcohol.  Foreign Travel and Pre-Existing Conditions.	War; Military Service.  Incarceration or commission of a felony.  Self Inflicted Injury.  Normal pregnancy or childbirth.  Undisclosed or unaccepted Pre-Existing Conditions
Predisability Earnings
AM Best Ratings	A-		A-

Carrier	Illinois Mutual	Met Life	Met Life
Product	Individual GR21 and NC21	Omni	Essential
Non-Cancelable	GR21 - No NC21 - Yes	Yes	No
Guaranteed Renewable	Yes on both products	Yes	Yes
Benefit Periods (BP)	6 months,1, 2, 5, 10 yrs; age 65	2, 5, yrs.: age 65 and 70	2, 5, yrs.: age 65 and 70
Elimination Periods (EP)	30, 60, 90, 180, 365, 730	60, 90, 180, 365, 730	60, 90, 180, 365, 730
Occupation Classes Offered (all policies)	5, 4, 3, 2, & 1	6A, 5A, 4A, 3A, 2A	6A, 5A, 4A, 3A, 2A, A & B
Presumptive	To end of benefit period. EP waived	To the end of BP.  EP Waived.  Doctor's care required, but may be waived.	To the end of BP.  EP Waived.  Doctor's care required, but may be waived.
Total Disability	Class 5 - First 5 yrs., unable to perform all of the substantial and material duties of regular occupation. Class 4, 3, 2, & 1 - First 2 yrs., unable to perform all of the substantial and material duties of regular occupation.  An insured able to perform one or more of the substantial duties of regular occupation is NOT totally disabled.  After Initial Period, the inability to perform all of the substantial and material duties of any occupation fitted by education, training, experience and prior earnings at time of disability.	Main duties of regular occupation.  No other gainful employment allowed.  Doctor's care required. * Own Occ and Transitional Own Occ available by Rider	Main duties of regular occupation.  No other gainful employment allowed.  Doctor's care required. * For 2A it is Regular Occ for 5 yrs.  For A & B it is Regular Occ for 2 yrs.  After this period it is Any Occ Reasonably Suited for…..
Residual	Optional for Occ. Classes 5, 4, & 3. 20% loss of income due to the inability to perform one or more of the substantial duties of your occupation or unable to do said duties for as long as usually required.  Partial for up to 6 months.	20% income loss; Show relationship between income and disability.  Doctor's care.  (75% loss = full benefit).  * Recovery Benefit available by Rider.	Only Available to 6A threw 2A Occ Classes.  20% income loss; Show relationship between income and disability.  Doctor's care.  (75% loss = full benefit).  * Recovery Benefit available by Rider.
Exclusions/ Limitations	War; Military Service, except during active duty for training of less than 60 days. Incarceration or commission of a felony.  Normal pregnancy or childbirth.  Undisclosed or unaccepted Pre-Existing Conditions	Active Military Service.  Incarceration; Criminal/Illegal Offenses. 90 days normal pregnancy.	Active Military Service.  Incarceration; Criminal/Illegal Offenses. 90 days normal pregnancy.
Predisability Earnings		The Greater of: Average of the last 3 years just prior to disability - or - the average monthly earning for the 24 months just prior to the start of disability	The Greater of: Average of the last 3 years just prior to disability - or - the average monthly earning for the 24 months just prior to the start of disability
AM Best Rating	A+	A++

 

Carrier	Petersen Int.	Principal	Standard Insurance Company
Product	Lloyd's Certificate	HH750	The Protector+℠
Non-Cancelable	Yes (Only during TERM of Insurance)	Yes	Yes (Rider)
Guaranteed Renewable	No	Yes	Yes
Benefit Periods (BP)	Term of Insurance range from 1 to 5 Yrs.	2, 5 yr.; age 65, 67, 70	2, 5 yrs.; age 66/67
Elimination Periods (EP)	30,60,90,180, 365 (subject to Occ. Class and Age)	30, 60, 90, 180 and 365.  (365 not available with 2 yr. BP)	60, 90, 180, 365, 730
Occupation Classes Offered (all policies) Descending Order	Determined by the Underwriters.	5A, 4A, 4A-M, 3A, 3A-M, 2A   & A	5A, 4A, 4P, 3A, 3P, 2A, A and B
Presumptive	To the end of BP.  EP Waived.  Doctor's care NOT required.	To end of BP, no EP.  If the BP is age 65 and loss occurs prior to that, then extended to Lifetime.  Capital Sum Benefit - Provides a lump-sum (in addition to any to any other benefits payable under the contract) for the loss of use of a hand or foot; or one eye.  Benefits + to 12 times the ultimate Max Monthly Benefit.	To end of BP, no EP.  Lifetime Benefits for Age 66/67 BP's with Non-Can rider.
Total Disability	Due to injury or sickness you can not perform the substantial and material duties of your occupation	Substantial and material duties of Your Regular Occupation.  (can choose 2, 5 yr. and age 65) No other gainful employment allowed.  After Initial Period -  any occupation you are reasonably suited to by education, training or experience.  Requires doctor's care.  Own Occ. rider available 5A Occ Class (Excluding Attorneys and Executives earning under $60K p/yr.)  Must have an age 65 BP and a Your Occ. to age 65.	Substantial and material duties of Your Regular Occupation.  No other gainful employment allowed.  Requires doctor's care.  Own Occ. rider available to 5A, 4A, 4P and (3A/3P - except Podiatrists and self-employed Stock Brokers).
Residual	20% loss of income due to injury or sickness	20% income loss; loss of time, duties or effectiveness.  Doctor's care.  (80% loss = full benefit).  Available to all classes except - Occ Class A.	20% income loss; loss of time, duties or effectiveness.  Doctor's care.  (80% loss = full benefit).  Lump sum recovery benefit.
Exclusions/ Limitations	War/Active Military Service.  Incarceration; Criminal/Illegal Offenses. Pregnancy.  Self-inflicting injuries of any nature. Pre-Existing Conditions.  With prior written agreement from the Underwriters and payment of any required additional premiums, the exclusions of War and acts of terrorism may be omitted from certificate.	Active Military Service.  Incarceration; Criminal/Illegal Offenses. 90 days normal pregnancy.  24 months mental nervous disorder and substance abuse limitation can be applied to policy if requested.	War; Incarceration; 90 days normal pregnancy; Assault or felony/participation in a riot. Self-inflicting injuries of any nature. 24 months mental nervous disorder and substance abuse limitation imposed if client qualifies for Own Occupation Rider.
Predisability Earnings		Highest consecutive 12 of 24 months, or consecutive 2 of 5 years.  CPI-U 5% min.  Compounded, no max.	Highest of any 2 of last 3 yrs. (divided by 24).  CPI-U.
AM Best Rating	A-	A+	A

*Call us for more information or for information on advanced products that are not listed below. This is for illustration purposes only. This is not full content. For more information and to confirm complete information please contact The Smith Companies