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!
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Individual, Business Overhead, GSI, and List Bill contracts
available.
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Non-Cancellable and Guaranteed Renewable contracts to 65, and
conditionally renewable for life.
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Unique product features to UCL: Reimbursement of medical
expenses for non-disabling injuries and elimination period
reductions over time.
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Fair and Flexible Underwriting. We strive to get your
business through as cleanly and effortlessly as possible.
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Excellent turn-around times.
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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.
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Union Central
Not all insurance products from all insurance companies
are available in all states.
Note:
We do not provide legal or tax advice. The general
information presented on various tax aspects contained in
this site are not intended to be relied upon as tax advice.
Individuals should seek the advice of a qualified tax
professional regarding the taxation of these benefits as
they apply to your particular situation.
These
benefits are offered in all states except: AK, HI, & WY.
License #'s: CA: OC38446 MT: 29724 F00-0283-LC
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