Disability

Proguard II

Original line of business: Aetna

Updated on: Dec 14, 2018

Product snapshot

Proguard II provides top quality income replacement coverage that protects clients around the clock against injury or sickness.  Premiums are guaranteed level to age 65, with an option to renew coverage after age 65. It features a "regular occupation " definition of total disability.  Own occupation coverage is available as a rider and is designed for professionals and qualified executives.

Basic product information

Sample contract: N/A

Dividend options: N/A

Bonus: N/A

Dividend options

N/A

Bonus

N/A

Premium paying period

Proguard II provides non-cancellable, guaranteed renewable to age 65

Policy fees

Verify to policy contract

Deposit load

N/A

Values, loans & withdrawals

Non forfeiture option: Yes

Loans: N/A

Withdrawals: N/A

Non-forfeiture option

31 day grace period

Loans

N/A

Withdrawals

N/A

Cash value

N/A

Reduced paid up

N/A

Riders & benefits

Premium offset/holiday: N/A

Premium offset/holiday

N/A

Death benefit

If your client dies while eligible for monthly disability payments, we will pay an additional benefit of 3 times the monthly benefit to the beneficiary

Reinstatement period

N/A

Convertible

Non-convertible