Optional Riders:

Return of Premium (50%) Rider

Reduces the long-term cost of disability coverage if you stay healthy. This rider returns up to 50% of the yearly eligible premium paid or waived under your policy if you have had minimal or no claims after 7 years and are not disabled (and every 7 years thereafter). The amount of the return will be reduced by any disability benefits paid or eligible premium waived or refunded.

Own Occupation Rider

Provides a total disability benefit if you are unable to practice your chosen profession due directly to injury or sickness, even if you begin working again in a new career.

Cost of Living (maximum 3% or 8% per year) Riders

Helps reduce the impact of inflation by providing yearly adjustments to the monthly disability benefit while you are on a claim.

Catch-Up Rider

Provides a lump sum payment equal to the amount not paid during the waiting period of the policy should you become totally disabled for a period of at least 180 consecutive days. This coverage is designed to help you financially “catch-up” from the impact of a disability.

Health Care Profession Rider

Provides a monthly disability benefit if you contract HIV, Hepatitis B or Hepatitis C and legislation or regulations prohibit you from performing the substantial duties of your occupation.

Sale of Business Facilitator Rider

For business owners, if you must sell your interest in the business because of a disability, this rider helps reimburse legal and accounting costs.

If you have further query please contact LifeInsuranceCoverage Plan