Disability Income Protection

Protect your greatest financial asset — your ability to earn an income — with monthly tax-free paycheck replacement if disabled.

Regulated Rates from $32/mo

Licensed Counselor Included

Zero Brokerage Markups

Guaranteed Rate Lock

Starting at $32/mo

Or call toll-free: 1-800-555-OPTAVISE

Core Coverage Benefits & Protections

Replaces 60% to 70% of your pre-tax gross monthly income tax-free

True Own-Occupation definitions available for specialized medical and professional careers

Short-term (3 to 12 months) and Long-term (up to age 65 or 67) benefit periods

Non-cancelable and guaranteed renewable policy terms

Plan Level	Coverage Target	Living Benefits	Underwriting
Standard SelectPure Protection	$100,000 – $250,000	Terminal Illness	24–48 Hr Simplified
Preferred PlusMost Popular	$250,000 – $750,000	Chronic & Disability Waiver	Instant Accelerated E-Sign
Premier LifetimeMaximum Wealth Defense	$750,000 – $2,000,000+	All Living Benefits + AD&D	Counselor Guided

Future Purchase Option Rider

Cost of Living Adjustment (COLA)

Catastrophic Disability Benefit

Calculate regulated benchmark rates for your age.

Assigned Specialist

Sarah Jenkins

Senior Benefits Counselor

“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”