To provide a lump sum when you are total and permanent disabled to help sort out:
- reduce debt, ,
- pay for home modifications'
- car modifications
- reduce/payoff mortgage
- create an investment fund
Own occupation option
- By diagnosis not to ever engage in your own occupation again, i.e. the occupation you were employed in immediately prior to disability
- Unable to perform at least 2 Activities of your daily life.
- Permanent cognitive impairment
- Loss of both hands, both feet, or one hand and one foot;
- Loss of sight in both eyes
- Loss of one hand or one foot and sight in one eye
Any occupation option
We Seldom recommend this.