Impaired Disability Insurance
Due to adverse risk factors, many individuals are faced with the challenge of obtaining quality disability protection. At IDU, we underwrite a wide range of medical conditions and unique occupations, providing access to valuable coverage for even the toughest to place cases. As pioneers in the high-risk disability market, IDU has successfully delivered solutions for 30+ years to help protect your client’s most important asset, their income.
Product Highlights
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Aggregate limits of $50M and higher
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Monthly issue limits of $250K+ per month
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Replacement Ratios up to 75%
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Policy Terms: 1 to 5 years
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Benefit Periods: 12 to 120 months
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Elimination Periods: 90 to 730 days
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Own Occupation Definition of Disability
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Benefits structured as Monthly, Lump Sum or Combination Payouts
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Waiver of Premium
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Survivorship & Recovery Benefits
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Residual & COLA Riders
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NO MEDICAL EXAMS REQUIRED!
Commonly Accepted Conditions
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Cancer
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Arthritis
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Diabetes
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Mental / Nervous Conditions
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Cardiovascular Disorders
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Musculoskeletal Issues
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Build Challenges
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Alcohol & Drug Abuse
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Sleep Apnea
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Systemic Lupus
IDU Real Life Solution
Max, Age 47 | Income of $70,000
Cancer Survivor
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Max has been in remission for the past two years; over this time he has been actively working full time in his position as warehouse manager in a small distribution center. Unfortunately, he’s still unable to qualify for traditional disability coverage until he’s been fully recovered for at least five years.​​
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IDU’s Solution:
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$3,800 Monthly Benefit
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90-Day Elimination Period
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60-Month Benefit Period
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5-Year Policy Term
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Residual Rider
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$228K Total Aggregate Benefit
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Exclusion for Cancer
IMPORTANT DISCLOSURE: This is not an exact description of coverage.
The benefits, limitations and/or exclusions described are for general illustration purposes only and may vary by state and client profile.