GUARANTEED STANDARD ISSUE

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While an employer may offer group long term disability insurance and/or supplementalindividual disability insurance coverage, it may still not be enough forthe company'shigher-earners. At IDU, our experienced underwriters help you create customizedplans to help fill in those gaps and significantly enhance the existing group disabilityofferings. The plan design, including policy term, elimination period (EP), and benefitperiod (BP) are guaranteed on a standard issue basis, provided the individual hasbeen actively at work and can answer a few underwriting questions.

Guaranteed Standard Issue (GSI)

Product HighlightsCoverage of variable compensationCustomizable plan design Simplified underwritingUnisex ratesCoverage is fully portable with no rateor plan modifications, should anemployee wish to take their policywith them upon leaving the company

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ValueEnhancing benefit plans with excess offerings helps companies attract and retainhigh performing talentIncrease sales results by implementing multiple policies through a single employerGreater opportunity to cross sell products for each client group

Requirements & ProvisionsGroup Census data Streamlined application Cause only underwriting Individual applications can be waived forEmployer paid programs Insured working on full time basis

GSI PRODUCT DETAILS

Product Usages

Plan designs are tailored to fit the organization's needs and group profile. With theability to offer flexible benefit options at limits far above standard insurance carriers,IDU's multi-life products are an excellent and creative solution for the shortfalls of thedomestic market.

Buy Sell Key PersonPersonal IncomeBusiness Overhead Expense (BOE)Supplemental Employee Retirement Program (SERP)AD/ADD

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Key FeaturesPolicy Term up to 5 yearsVoluntary or Mandatory participation plansCreative benefit structuresOwn Occupation definition of disability Elimination Periods: 90, 180 & 365 days or longerMonthly benefit periods: 12, 24, 36, 48, 60 & 120monthsCovered forms of compensation:

SalaryBonus/Commissions K-1 IncomeRestricted stock awards

Flexible premium payment optionsApplications pre-filled based on census dataMinimum of 3 livesPortable coverage Standard age caps: 65, 67, & 70Survivorship benefitTransplant benefit Recovery benefitWaiver of premium

Available RidersResidualCOLAAuto Wage IncreaseCAT

*All plan designs availability dependent on group size and profile

Personalized service with theproducts you need and

underwriting expertise you want. 

Term of Insurance: is the time period where the policy cannot be cancelled. Neither theterms nor policy can be altered by the carrier, provided the premium is paid on time. Elimination Period: defined as the period of time for which the Insured must be continuously disabled before the benefits are payable. There are many options for EP. Benefit Period: is the number of months that benefits are payable during a period of disability.IDU can offer both a monthly, lump sum or combination benefit periods. Policy Owner: Generally, the Insured on the Schedule. If otherwise, the person who applies forinsurance in conjunction with or on behalf of the Insured. At all times there must be a validinsurable obligation/interest between the owner and Insured. New Term of Insurance: May be allowed or offered at expiration of previous policy, subject tounderwriting. Premium Mode: Premium payments are to be paid on a monthly, semi-annual, annual or singlepremium basis. Grace Period: IDU's grace period will allow a period of thirty-one days for the payment of eachpremium due. Waiver of Premium: Following the initial payment and if any unforeseen injury or illness occurswhere the client becomes totally disabled and has satisfied the elimination period, the policy willwaive future premium as long as the definition of disability is met. Own Occupation: Insured is unable to perform the substantial & material duties of theiroccupation.

DEFINITION DETAILS

Monthly Benefit Overview:Once the Elimination Period has been satisfied, the monthly benefits will begin and are paid outuntil the Benefit Period has been exhausted or Total Disability ends, whichever the sooner. Lump Sum Benefit Overview:Considered a career ending benefit, the Lump Sum is triggered by the Permanent Total Disabilityof the Insured, meaning they are not expected to recover or return to work. The benefit is paidout either following the exhaustion of the monthly benefit or once Elimination Period has beensatisfied.

BENEFIT OVERVIEW

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