Mutual Income Solutions Underwriting & Eligibility

Mutual Income Solutions Underwriting

Our goal is to provide the best possible offer of disability income insurance to help protect your client’s income. Below are the points of criteria we base each application on:

  • Occupation — Depending on your client’s job duties, we’ll designate an occupation risk class.
  • Health — A health interview and medical tests may be required depending on benefits applied for.
  • Income — Financial underwriting determines your client’s income in order to set the policy’s maximum monthly benefit.
 

For more details, review the Mutual Income Solutions Underwriting Guide.
 
Mutual Income Solutions Underwriting
 

Mutual Income Solutions Eligibility

Our disability income insurance product, Mutual Income Solutions, will make it easier to do business with us, while the competitive features and benefits will help your customers select the coverage that best fits their needs. Below are the minimum requirements for your client to meet eligibility.

Accident & Sickness

  • Age 18-61
  • Working 30+ hours per week
  • Annual income of at least $15,000
  • Self-employed individuals who have been in the business for at least 2 years
  • Employees who have been with their current employer for at least 3 months

Accident only

  • Age 18-61
  • Working 30+ hours per week
  • Annual income of at least $15,000
  • Maximum Benefit based on Occupational Class
  • Self-employed individuals who have been in the business for at least 2 years
  • Employees who have been with their current employer for at least 3 months

For more details, view our Mutual Income Solutions Product details.
 
Mutual Income Solutions Eligibility
 

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