Disability Income Program from Assurity Life Insurance Company
Assurity Life Insurance Company offers a comprehensive Short-Term Disability Income Program designed to help insurance agents and brokers deliver flexible, competitive solutions for their clients' income protection needs. Available under the Assurity at Work platform, this program is especially well-suited for small to mid-sized employers seeking customizable benefits for their workforce.
Ideal Accounts and Appetite
This program is ideal for employers looking to provide income protection benefits to employees across a variety of industries. Whether your client is a small business owner, a professional services firm, or a blue-collar operation, Assurity's Short-Term Disability plans can be tailored to meet their unique needs.
Examples of good-fit accounts include:
- A 20-employee dental office looking to offer off-the-job disability coverage with family-friendly rider options.
- A regional construction company needing 24-hour coverage with flexible elimination periods and unisex rates for their workers.
Coverage Highlights and Advantages
Assurity’s Disability Income Program offers a high level of flexibility, allowing agents to design policies that match the insured’s lifestyle and risk exposure. Key features include:
- Off-the-job only or 24-hour coverage options
- Choice of elimination and benefit periods
- Guaranteed renewable to age 65
- Unisex rates and flat pricing regardless of tobacco use or age
- Premiums may be paid with pre-tax dollars, offering potential tax savings
- Coverage available for spouse and/or eligible children
Available Riders:
- Total Disability-Sickness Rider and Non-Occupational version
- Emergency Accident Rider
- Accidental Death, Dismemberment and Paralysis Benefit Rider
- Injury Hospital Indemnity Rider
- Hospital Indemnity Rider
- Outpatient Sickness Rider
- Intensive Care Unit Rider
- Private Duty Nurse Rider
- Surgical and Anesthesia Benefits Rider
- Removal of Integration of Benefits Rider
- Surgical, Anesthesia, and Additional Benefits Rider
Underwriting Notes
Assurity’s Short-Term Disability policies are guaranteed renewable and structured to provide flexible underwriting solutions. The program offers level premiums regardless of age or tobacco use, making quoting and placement easier for agents. While no minimum premium is specified, the program is designed to be accessible for small groups and competitive in pricing.
Territories and Availability
This program is available in most U.S. states, including but not limited to: AL, CA, FL, GA, IL, TX, and WA. Be sure to confirm availability and product specifications based on the client’s location, as offerings may vary slightly by state.
Why Work With Assurity Life Insurance Company?
Assurity Life Insurance Company brings decades of experience in voluntary benefits and disability coverage. Their Disability Income Program is built to support agents with flexible design options, responsive service, and a strong commitment to helping businesses protect their most valuable asset—their people. Agents working with Assurity benefit from a product that is easy to quote, customize, and sell in today’s competitive employee benefits market.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Small to mid-sized employers in industries such as healthcare, construction, retail, and professional services are ideal candidates for this Short-Term Disability program.
Can this coverage be extended to family members?
Yes, the program allows coverage for a spouse and/or eligible children, making it a valuable option for family-focused benefits packages.
Are premiums affected by age, tobacco use, or gender?
No, this program offers flat, unisex rates that do not vary based on age or tobacco use, simplifying the quoting process.
Is this program admitted or non-admitted?
This is a non-admitted program, offering flexibility in design and underwriting not always available in admitted markets.
What riders can be added to customize the coverage?
A wide range of riders are available, including Total Disability, Hospital Indemnity, Accidental Death, ICU, and more, allowing agents to tailor coverage to each client’s needs.
Need help placing an account? Connect with a market specialist.