Assurity Life Insurance Company

For more information Contact Tessa at
1-800-544-8250 x117

Assurity Presentations:

Assurity's Online Calculator
for the simplified CI, DI, & WL

Simplified Disability Income
Simplified Disability Income is an individual guaranteed-renewable disability policy with simplified application and issue processes. It's ideal for individuals in the lower to upper-middle income markets.

Personal (Fully Underwritten) Disability Income
Personal Disability Income is an individual guaranteed-renewable disability policy with a traditional definition of disability. It's ideal for individuals in the lower to upper-middle income markets. This policy is also perfect for small-business owners (under 100 employees), managers and/or employees.

Graded Benefit Disability Income (GBDI)
Graded Benefit Disability Income is an individual guaranteed-renewable disability policy with a traditional definition of disability and graded benefit. Ideal for those who have been previously turned down for disability income protection, GBDI offers: 35 percent of the total benefit for the duration of a disability beginning in the first policy year; 70 percent beginning in the second policy year; and 100 percent of the benefit for the duration of a disability beginning in the third (and successive) policy years.

Business Overhead Expense (BOE)
Business Overhead Expense Insurance is designed to cover business operating expenses if a business's key person becomes disabled by an accident or illness. The coverage includes employee salaries, utilities, rent and other expenses that are generally accepted as tax-deductible.

Only about 39% of the 2.1 million workers who applied for Social Security Disability Insurance benefits in 2005 were approved. And those who are approved get an average benefit of just $1,063 monthly—hardly enough to replace the average worker’s income.*

Only 18 percent of consumers recall being approached about buying disability insurance–less than half as many as those being approached for life insurance. Only one percent of consumers --one quarter of all shoppers -- initiated shopping for disability coverage themselves.**

More than 70 percent of American households rely on two incomes to make ends meet, yet less than 26 percent of Americans have disability insurance.**

* LIfe and Health Insurance Foundation for Education, 2010
** LIMRA DI Fact Sheet, 2010

Stephens-Matthews Marketing, Inc.