As a member of the Big Five insurers, Principal provides true own-occupation coverage. This ensures you are protected if an illness or injury prevents you from performing the specific duties of your profession, even if you are able to work in a different field.
Designed for high-earning professionals and business owners, these policies feature flexible classifications and future increase options. This allows your coverage to scale automatically as your income and firm grow over time.
With a premier reputation for consistency and fair benefit payments, Principal offers the financial stability required to safeguard both personal lifestyles and business overhead.
As a premier carrier, Guardian provides true own-occupation protection. This ensures you receive your full benefit if you cannot perform your specific professional duties, even if you choose to work in another field.
These policies feature non-cancellable and guaranteed renewable terms. Your coverage and premiums remain locked in for the life of the policy, providing a permanent safety net that follows you through every career move.
Beyond basic income, Guardian offers specialized options to protect your total financial picture, including student loan repayment, retirement contribution matching, and inflation-adjusted benefits.
Through the Platinum Advantage policy and its specialized Own Occupation rider, The Standard ensures you receive full benefits if you are unable to perform your specific professional duties—even if you are healthy enough to work in another capacity.
Designed for high-earning individuals, these policies include options to increase coverage as your salary grows, ensuring your protection always matches your current lifestyle without requiring additional medical underwriting.
The Standard provides unique provisions that go beyond basic income, including benefits for family care emergencies and specialized support for business owners to cover overhead expenses during a recovery period.
As a top-tier carrier, Ameritas ensures that you are considered disabled if you cannot perform the specific duties of your own occupation—even if you are healthy enough to work in another capacity or a different field.
These policies are designed to grow alongside your career, offering automatic increase riders and future purchase options that allow you to lock in more coverage as your income rises without new medical exams.
Ameritas provides a wide array of specialized riders, including student loan repayment protection and cost-of-living adjustments, ensuring your financial plan remains intact during a recovery period.
Through the Radius and Radius Choice platforms, MassMutual provides true own-occupation protection. This ensures you receive full benefits if you cannot perform your specific professional duties, even if you are earning income in another field.
Designed for high earners, these plans include future increase options and retirement protection riders. This allows your coverage to grow with your salary and ensures your retirement contributions continue if you are unable to work.
As a policyholder-owned company, MassMutual offers non-cancellable contracts with fixed premiums. Their unique structure provides long-term financial strength and the potential for annual dividends.
