Assurity Disability Insurance

Assurity Life Insurance Company was formed in 1997 as a subsidiary of Woodmen Accident and Life, and in 2001, the two companies were united with the century-old Lincoln Direct Life Insurance Company, comprising the Lincoln Insurance Group.

Assurity Security Group Inc. illustrate the companies’ financial stability for 2004 as follows:

• $2.02 billion in total assets
• $228.3 million in total surplus/capital
• $265.3 million in premium

 DISABILITY PRODUCTS

AssurityBalance® Personal Disability Income

AssurityBalance® Business Overhead Expense
helps assure that a business can continue when a disabling illness or injury occurs.

AssurityBalance® Graded Benefit Disability Income


UNIQUE RIDERS

● Return of Premium
● Monthly Disability Income
● Monthly Accidental Only Disability Income

Not all Assurity products may be available in all states!


Personal Disability Income Protection 4  AssurityBalance ® 
IGP-007 (2/04)

General Guidelines (may vary by state)

PRODUCT TYPE
Individual guaranteed renewable disability policy with a traditional definition of disability.

INTENDED MARKET
Individuals 25 to 50 years old employed in blue, gray, and white collar occupations earning from $15,000 to $50,000 annually. Small business (under 100 employees) owners, managers, and/or employees.

ISSUE AGES ?18-55 ⎯1-, 2-, 5-year and To Age 65 Benefit Periods.(For limitations under Classes 2A and 1A, see “Available Benefit Periods”)
?56-60 ⎯1-, 2-, and 5-year Benefit Periods Available to Classes 4A and 3A
1- and 2-year Benefit Periods Available to Classes 2A and 1A

PREMIUMS
Level; based on nearest age (age as of nearest birthday), Gender, Tobacco Use, Occupational Class, Elimination Period, Monthly Disability Benefit Amount, Benefit Period, and any Optional Benefits selected.

Non-Tobacco If no tobacco in last 12 months.

Policy Fee $40

Rate Increases
Premiums may only be raised on a class basis with each state’s approval.