|
|
Principal Financial Group
|
The Standard
|
Metropolitan Life
|
Guardian/Berkshire
|
Underwriter
|
Principal
|
Standard
|
Met Life
|
Berkshire
|
|
Eligibility
|
MS III & MS IV
|
MS III & MS IV
|
MS III & MS IV
|
MS IV
|
|
Premium
|
Age dependent unisex rates, age 25:
$41.40/month
|
Age dependent unisex rates, age 25:
$43.02/month
|
Age dependent Gender- specific rates, age 25:
$49.29/month-Male
$71.04/month-Female
|
Age dependent
Age 25 as low as
M - $25.21/F - $36.36
|
|
Discounts & Underwriting Requirements
|
20% discount
Labs required if the Benefit Update rider is applied
for
|
10% discount
No income documentation
Need labs to apply
|
No discount
Need labs to apply
|
TMA discount
|
|
Maximum Benefit Available
|
$2,000/month
|
$2,000/month
|
$2,100/month
|
$2,100/month
|
|
Total Disability
|
Unable to perform substantial material duties of your
occupation and not working.
|
Unable to perform substantial material duties of your
occupation, even if gainfully employed.
|
Prevented from performing the material and substantial
duties of the insured’s regular occupation and not working, even if
gainfully employed – By rider (under age 45)
|
True own occupation:
if you are unable to perform the material and substantial duties
of your medical specialty
|
|
Residual or Partial Benefits
|
Yes
|
Yes
|
Yes
|
Yes
|
|
Nervous/Mental, Drug, Alcohol abuse claims
|
Payable for full benefit period
|
Limited to a two-year benefit payment unless hospital
confined.
|
Payable for full benefit period
|
Payable for full benefit period, except in these
specialties: Anesthesiologist/Anesthetist, CRNA, ER Physician, Pain Mgmt
Physician
|
|
Can Premiums or Policy Provisions change?
|
No
|
No
|
No
|
No, unless a graded premium – step up each year until
change to a level premium. Provisions do not change. Future increase - $4,200
|
|
Contact
|
Anne M. Day,
RHU, LTCP and T. Jeffrey Przybyla, CLU
LIFE
BROKERAGE INC.
13644 Breton
Ridge, Suite B
Houston,
Texas 77070
281-469-4400
or 800-338-7138
www.lifebrokerageinc.com
|
Marcus Rolls
Wealth
Design Group
3040 Post
Oak Blvd, Suite 400
Houston,
TX. 77056
713/622-0192
office
832/660-3144
cell
Marcus_Rolls@wealthdesigngroup.net
|
