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Disability – Request an Illustration
Advisor Information
Name
(Required)
First
Last
Phone
Email
(Required)
Coverage Type
Disability Solutions
(Required)
Individual Disability
Business Overhead Expense
Disability Buyout/Buy-Sell
Key Person Disability
Business Loan Protection
Client Information
Name
(Required)
First
Last
Date of Birth
(Required)
MM slash DD slash YYYY
Gender
(Required)
Male
Female
State of Residence
(Required)
Alabama
Alaska
American Samoa
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
U.S. Virgin Islands
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Armed Forces Americas
Armed Forces Europe
Armed Forces Pacific
Is the client also applying for life insurance or have they in the past 6 months?
If so, we may be able to coordinate some aspects of underwriting to make for a more streamlined process.
Yes
No
Unknown
Employment Information
Is your client a medical professional?
(Required)
Yes
No
Medical Specialty
(Required)
Acupuncturist
Allergist
Anesthesiologist
Anesthetist
Audiologist
Cardiologist
Cardiovascular Surgeon
Coroner MD
Coroner Other
Critical Care Physician
Endocrinologist
Family Practice Physician
Gastroenterologist
Genetic Physician
Gynecologist & Obstetrician (OB/GYN)
Hemoncologist
Hematologist
Hospitalist
Internist (Internal Medicine Physician)
Neurologist
Neurosurgeon
Oncologist
Ophthalmologist
Optometrist
Orthopedic Surgeon
Otolaryngologist (ENT)
Pathologist
Pediatrician
Physiatrist
Physician - General (MD)
Physician's Assistant
Podiatrist
Proctologist
Pulmonary/Respiratory MD
Psychiatrist
Psychologist PhD
Psychologist Master's Degree
Radiologist
Rheumatologist
Sports Medicine Physician (Non-Surgical)
Sports Medicine Physician (Surgical)
Surgeon
Vascular Surgeon
Urologist
Other
Is your client a resident or fellow?
(Required)
No
Resident
Fellow
Is the client within 90 days post-graduation
Yes
No
Is the client going to be graduating within 180 days?
Yes
No
Name of teaching institution, hospital, or clinic
We will use this to research potential discounts
Is your client a dentist?
(Required)
Yes
No
Dental Specialty
(Required)
General Dentistry
Endodontist
Orthodontist
Oral & Maxillofacial Surgeon
Periodontist
Prosthodontist
Pediatric Dentist
Other
Is your client a government employee?
(Required)
Yes
No
Government Employee Type
Federal
State
Other
How many years has the client worked as a government employee?
Occupation
(Required)
Please be as specific as possible when listing the job title, e.g., instead of "Executive," list "Senior Vice President of Sales.
Job Duties
(Required)
If any manual duties, please include a detailed description and percentage of time spent at each.
Company Name
Does the client own their own business?
(Required)
Yes
No
Percent of ownership?
Has the client owned the business for more than 2 years?
Yes
No
Unknown
List details of former occupation, job duties, and salary
How many W2 employees does the client employ?
0
1-4
5-9
10-49
50+
Unknown
What is the business type?
Sole Proprietor
S-Corp
C-Corp
Partnership
Unknown
What is the value of the business?
What is the client's share of monthly expenses?
Client Compensation & Household Expenses
Annual Salary
(Required)
Annual Net Income
(Required)
For business owners, net income is used to calculate the amount of benefit the client qualifies for.
Does the client have variable sources of income?
Yes
No
Estimated Annual Bonus
Estimated Annual Commissions
Passive Income (Rental Income, Interest, Dividends, Capital Gains, etc.)
Stock Options/RSUs
Estimated Ownership Distributions
What is the average monthly household spending?
Client Inforce Coverage
Does the client have short or long-term disability coverage through their employer?
(Required)
Yes
No
Unknown
Employer Sponsored Policy Information
Please include as much information as possible, including replacement percentage, benefit cap, benefit period, and plan funding/taxability.
Does the client have individual long-term disability coverage?
(Required)
Yes
No
Unknown
Individual Disability Policy Information
Please include as much information as possible, including carrier(s), monthly benefit, elimination and benefit periods, and any inforce policy riders.
Does the client have inforce overhead expense coverage?
(Required)
Yes
No
Unknown
Overhead Expense Policy Information
Please include as much information as possible, including carrier(s), monthly benefit, elimination and benefit periods, and any inforce policy riders.
Does the client have inforce key person coverage?
(Required)
Yes
No
Unknown
Key Person Policy Information
Please include as much information as possible, including carrier(s), benefit amount, elimination and benefit periods, and any inforce policy riders.
Does the client have inforce disability buyout coverage?
(Required)
Yes
No
Unknown
Disability Buyout Policy Information
Please include as much information as possible, including carrier(s), benefit amount, elimination and benefit periods, and any inforce policy riders.
Health Information
Tobacco Used?
(Required)
Yes
No
Quit
Date Last Used (If Known)
MM slash DD slash YYYY
Are there any known health concerns?
(Required)
Yes
No
Details
List any diagnoses, medications, or treatments you are aware of. Also note any drug usage, criminal activity, or other avocations that may impact underwriting. We will follow up with a health questionnaire for additional details.
Requested Individual Disability Plan Design
If you have a preferred plan design for the requested coverage, let us know and we’ll tailor our recommendations accordingly. Otherwise, we’ll propose options we believe best fit your client’s needs.
Benefit Amount
Elimination Period
30 Days
60 Days
90 Days
180 Days
365 Days
Benefit Period
2 Years
5 Years
10 Years
To Age 65
To Age 67
To Age 70
Policy Riders
Residual
Cost of Living Adjustment (COLA)
Future Purchase Options
Own Occupation
Catastrophic
Select All
Requested Business Overhead Expense Plan Design
If you have a preferred plan design for the requested coverage, let us know and we’ll tailor our recommendations accordingly. Otherwise, we’ll propose options we believe best fit your client’s needs.
Benefit Amount
Elimination Period
30 Days
60 Days
90 Days
Benefit Period
12 Months
18 Months
24 Months
Policy Riders
Residual
Future Purchase Options
Select All
Requested Disability Buyout Plan Design
If you have a preferred plan design for the requested coverage, let us know and we’ll tailor our recommendations accordingly. Otherwise, we’ll propose options we believe best fit your client’s needs.
Buy-out Amount/Valuation Basis
Elimination Period
365 Days
540 Days
730 Days
Benefit Payout Type
Lump Sum
Monthly
Hybrid
Benefit Factor
24 Times
36 Times
60 Times
Requested Key Person Plan Design
If you have a preferred plan design for the requested coverage, let us know and we’ll tailor our recommendations accordingly. Otherwise, we’ll propose options we believe best fit your client’s needs.
Benefit Payout Type
Lump Sum
Monthly
Hybrid
Monthly Benefit Amount
Monthly Elimination Period
90 Days
180 Days
365 Days
730 Days
Lump Sum Benefit Amount
Lump Sum Elimination Period
90 Days
180 Days
365 Days
730 Days
Requested Business Loan Protection Plan Design
If you have a preferred plan design for the requested coverage, let us know and we’ll tailor our recommendations accordingly. Otherwise, we’ll propose options we believe best fit your client’s needs.
Loan Amount
Loan Term
Elimination Period
30 Days
60 Days
90 Days
180 Days
365 Days
Additional Information
Is there anything else we should know about your client that hasn’t been covered above?
Additional Notes