Founded in 1867, the Ohio based, Union Central Life Insurance Company is among the 10 largest mutual life insurance companies, (per *Vital Signs, May 1, 2004)  in the nation. Union Central Life has all definitions of disability that the major carriers offer, including true Own Occupation coverage to age 65 available dependent on the client's occupation.

Union Central Offers Innovative Choices In Designing Disability Insurance Coverage! 

• Individual, Business Overhead, GSI, and List Bill contracts available.
• Non-Cancellable and Guaranteed Renewable contracts to 65, and conditionally renewable for life.
• Unique product features to UCL: Reimbursement of medical expenses for non-disabling injuries and elimination period reductions over time.
• Fair and Flexible Underwriting.  We strive to get your business through as cleanly and effortlessly as possible.
• Excellent turn-around times.
• Strong Medical Market offerings.
  
  Individual Disability Income Products

  Individual DI Non-Cancelable Series:
  Occupational Classes 5AP-2A

  This policy is designed to provide income replacement benefits to insured individuals working in professional, white collar and gray collar technical occupations. This policy cannot be cancelled as long as premiums are paid and premiums are guaranteed as stated in the policy. The coverage is guaranteed renewable to age 65. Beyond age 65, the policy is renewable for life, as long as the policy was in force the prior year and the insured is gainfully employed. Premium rates after age 65 are based on the rates in effect for such ages.

  Non-Cancelable Series: Home Provider Policy

  This policy is available to all non-cancelable occupational classes and can be used as a low cost, catastrophic type of disability income coverage. This is not available for Employer-Sponsored Plans. However, it was primarily designed for qualifying at-home occupations. Beyond age 65, the policy is renewable for life, as long as the policy was in force the prior year and the insured is gainfully employed. Premium rates after age 65 are based on the rates in effect for such ages.

  Guaranteed Renewable Occupational Classes A, B

  This policy is designed to provide some income replacement benefits to insured individuals working in occupations such as skilled technician, on-site supervisor, manual laborer and some unskilled trades. This policy cannot be cancelled as long as premiums are paid. Insureds can renew each year before age 65. Beyond age 65, the policy is renewable for life, as long as the policy was in force the prior year and the insured is gainfully employed. Premium rates after age 65 are based on the rates in effect for such ages.

  Business Disability Insurance
  
  Disability Overhead Expense: Occupational Classes 5AP-3A

  This policy provides coverage designed to reimburse owners of small businesses (sole proprietors, partners of closely held corporations), operated from a location away form the home. For normal and customary expenses necessary to maintain the business. This policy cannot be cancelled as long as premiums are paid and premiums are guaranteed as stated in the policy. The coverage is guaranteed renewable to age 65. Beyond age 65, the policy is renewable for life, as long as premiums are paid, insured is gainfully employed at the usual occupation at least 30 hours per week, and insured is responsible for the expenses of maintaining the business or office. Premium rates after age 65 are based on the rates in effect for such ages.

  Group Disability Insurance
  
  Employee-Sponsored Multi-Life Plans

  Designed to provide income replacement benefits to a group of insured individuals working in professional and executive occupations within the same employer. A major feature of this program is the availability of Guaranteed Issue underwriting for groups meeting certain criteria. This program is not available to medical occupations. The program can be offered on either an employer-paid or voluntary basis.