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

Aggregate limits of $50M and higher
Monthly issue limits of $250K+ per month
- Replacement Ratios up to 75%
Policy Terms: 1 to 5 years
Benefit Periods: 12 to 120 months
Elimination Periods: 90 to 730 days
Own Occupation Definition of Disability
Benefits structured as Monthly, Lump Sum or Combination Payouts
Waiver of Premium
Survivorship & Recovery Benefits
Residual & COLA Riders
NO MEDICAL EXAMS REQUIRED!

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Commonly Accepted Conditions

Cancer
Arthritis
Diabetes
Mental / Nervous Conditions
Cardiovascular Disorders

Musculoskeletal Issues
Build Challenges
Alcohol & Drug Abuse
Sleep Apnea
Systemic Lupus

IDU Real Life Solution

Corie, Age 52

Law Partner | Income of $1.2M

Prior to obtaining coverage with IDU, Corie maxed out all of her domestic options, only securing 35% of her income.

IDU’s Solution:

$40,000 Monthly Benefit
90-Day Elimination Period
120-Month Benefit Period

5-Year Policy Term
Residual & COLA Riders
Total Aggregate Benefit of $4.8M

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.