2 Conditions and limitations apply. Medical information is not required when exercising an option for additional coverage. Taken into consideration are your income, occupation and employment, as well as all disability insurance in force, for which you’ve applied or are eligible to receive. Coverage may not be added while you’re disabled, when benefits are payable, or during a suspension period.
3 This benefit is not necessarily protection against increases in the cost of living.
4 The Rider provides coverage for period of 10 or 15 years from the Policy Date. When a qualifying total disability occurs, benefits are only payable during the remaining portion of the 10- or 15-year term that has not elapsed when the disability begins.
5 Retirement Protection Plus is not a pension plan, qualified retirement plan or qualified individual retirement account or a substitute for one.
6 For individual disability insurance, you need to be underwritten and may or may not qualify for coverage.