1 Social Security Administration Fact Sheet, June 2020

2 Commissioner’s Disability Insurance Tables A and C, assuming equal weights by gender and occupation class

3 Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long Term Disability.

4 This benefit is not necessarily protection against increases in the cost of living.

5 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.

6 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.

7 This publication is provided for informational purposes only and should not be considered tax or legal advice. Please contact your tax or legal advisor regarding the tax treatment of the policy and policy benefits and your particular set of facts and circumstances. The information provided is not intended or written to be used and cannot be relied upon, to avoid penalties imposed under the Internal Revenue Code or state and local tax law provisions.

8 Retirement Protection Plus is not a pension plan, qualified retirement plan or qualified individual retirement account or a substitute for one.

9 Ratings are as of May 2, 2022 and are subject to change without notice.

10Council for Disability Awareness https://disabilitycanhappen.org

Optional riders are available for an additional premium.