You’ll want the strongest base policy you can get. From there you can add only those benefits that are important to you. Most importantly, you’ll want coverage that is non-cancellable and premiums that are guaranteed renewable, meaning that if your premiums are paid on time, your policy can not be cancelled, premiums cannot be increased, and policy provisions cannot be changed.

Although you may have a group disability plan through work, these plans provide only a basic level of protection. Benefits and coverage requirements may not fully meet your needs. Most importantly, these plans can be changed or cancelled altogether. Alum LTD provides individual income protection that you own and keep—even if you change jobs.

The effects of a disability early in your career—when student loan balances are at their highest—could be devastating. Coverage for loans is available.

Even if you haven’t hit your peak earnings yet, you can secure the opportunity to increase protection as your income grows—with no additional medical tests. It’s a great way to ensure that you can protect your income, regardless of any changes in your health.

Even if you don’t earn an income outside the home, your role is highly valuable.  We offer financial protection for your family if a sickness or injury prevents you from caring for them.

You’re protecting not only your present needs, but also your future, so it’s important to choose a company that will be there when you need it. Our plans are underwritten and issued by Ameritas, an A-rated industry leader.