Graded Benefit – A New Weapon for Your DI Arsenal

We are all human.  Our bodies are fragile, susceptible to fatigue, illness and injury.  Over time, many of us are struck with infirmities like heart disease and spinal degradation.  Even diabetes has become a national health concern of flourishing proportions.

We are also fallible.  Some of us eat too much; some suffer from depression while others are known to abuse alcohol and illicit drugs.  For all of these reasons and certainly more, many working Americans don’t qualify for traditional income protection insurance.

As for-profit businesses, U.S. disability carriers understandably prejudge applicants.  If your clients aren’t considered “preferred” risks or don’t retain squeaky-clean medical histories, their insurance policies stand to be subject to health-related exclusions or even more frustrating, outright declinations of coverage.  You don’t want to go back to your clients empty-handed, without an offer, with your tail between your legs.  That’s bad business, and doesn’t help you or your client.  Although classified as substandard, your high-risk clientele deserve to be considered fairly for disability insurance.  Their paychecks need financial protection like any other client.

Today, we unleash a new weapon which has been forged for your DI arsenal – the Petersen International Graded Benefit Disability Insurance Plan. The new product is designed to provide comprehensive own-occupation disability insurance to those whose health concerns traditionally preclude them from acquiring any disability insurance or at the very least DI without medical exclusions.

Plan Features

  • Up to Age 64
  • 65% up to $20,000 per month
  • 60, 90, 180, or 365 Days
  • 36, 48, or 60 Months
  • 80%, 65%, or 50% Level Benefit
  • Own occupation including specialties
  • Residual & COLA
Conditions Considered For Coverage
  • Addison’s Disease
  • Aneurysm
  • Angina
  • Angioplasty
  • Ankylosing Spondylitis
  • Anxiety
  • Aplastic Anemia
  • Arteriosclerosis
  • Attempted Suicide
  • Cancer
  • Cardiomegaly
  • Cerebral palsy
  • Chronic Fatigue Syndrome
  • COPD
  • Coronary Artery Disease
  • Crohn’s Disease
  • Diabetes
  • Elevated Liver Enzymes
  • Epilepsy
  • Factor V Leiden
  • Fibromyalgia
  • Gastric Bypass
  • Heart Attack
  • Heart Bypass
  • Heart Valve Replacement
  • Heart Murmurs
  • Hepatitis
  • Hodgkin’s Disease
  • Idiopathic Thrombocytopenia
  • IGA Nephropathy
  • Kidney Transplant
  • Lupus, Discoid
  • Meniere’s Disease
  • Multiple Sclerosis
  • Narcolepsy
  • Obesity
  • Osteomyelitis
  • Pacemakers
  • Pancreatitis
  • Paraplegic
  • Peripheral Vascular Disease
  • Poliomyelitis
  • Psoriatic Arthritis
  • Rheumatic Heart Disease
  • Rheumatoid Arthritis
  • Sarcoidosis
  • Sleep Apnea
  • Stroke
  • Tourette’s Syndrome
  • Tuberculosis
  • Ulcerative Colitis
  • . . . . and more!

Petersen International has remained the beacon for high-limit, risky and hard-to-place disability cases for over 30 years.  Call (800)345-8816 to speak with a Graded Benefit DI specialist or to request a full outline of coverage.

Comment