Disability insurance is one of the most important coverages available for you and your family. You are 7 times more likely to be hurt at work than killed. Your insurance policy remains with you if you change jobs, or job types. Also, you maintain your premium rate and the same coverage amount.
Elimination period applies to return of premium.
Amount of premium return will be affected by early termination of policy. Ask representative for full details. This information is referance to certain insurance products available from Brad Smith, an independant agent, It is not a contract of insurance. Applicants must complete an application and have the application accepted by the insuring company.