Assurity Contracting & Appointment

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State Availability

Last review date: 06/02/2023

AL AR AZ CA CO CT DC DE FL GA IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Accidental Death Plus

Accidental Death Plus is an accidental death insurance policy that provides a benefit for death resulting directly from an injury sustained in a covered accident.

• Coverage periods: 15-, 20- and 30-years; and to age 80
• Issue Ages: To age 80 – 18 through 70 (age last birthday)
  15-year term period – 18 through 65 (age last birthday)
  20-year term period – 18 through 60 (age last birthday)
  30-year term period – 18 through 50 (age last birthday)
• Renewability: Guaranteed renewable for the coverage period selected
• Benefit Amounts: $5,000 – $350,000
• Rate structure varies based on the coverage period selected, gender, age, and benefit amount

Acci-Flex Accidental Death

Acci-Flex is non-participating, guaranteed-premium accidental death benefit insurance. The death benefit is paid if the insured dies as a result of accidental bodily injury. It’s very affordable, easy to apply for, and issued on a non-medical basis.

• Issue Ages: 18 through 60 (age last birthday)
• Underwriting Classes: Male and Female
• Benefit Amounts: $50,000 – $350,000
• Rate Structure: Level premiums based on age and underwriting class
• Renewability: Guaranteed renewable to age 75

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State Availability

Last review date: 06/02/2023

AL AR AZ CA CO CT DC DE FL GA IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

A critical illness – heart attack, cancer, stroke – can strike anyone. Fortunately, most will survive, even thrive, thanks to modern medicine. Critical Illness insurance pays a lump-sum benefit at the first diagnosis of a covered illness or procedure. The lump-sum benefit may be used for anything – mortgage, deductibles, co-pays, child care, or to replace lost wages.

• Issue Ages 18 through 70 (age last birthday)
• Lump-sum Payment
• Additional Diagnosis Benefit
• Return of Premium Upon Death
• Waiting Period
• Guaranteed for life. The benefit amount will be reduced by 50 percent in the later of the third policy year and the policy year following the insured’s 70th birthday.

Assurity Critical Illness policies also offer riders such as Accidental Death, Additional Critical Illness, Child Critical Illness, Critical Accident, Disability Waiver of Premium, Increasing Benefit, Loss of Independent Living, Reoccurrence, Return of Premium, and Spouse Critical Illness.

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State Availability

Last review date: 06/02/2023

AL AR AZ CA CO CT DC DE FL GA IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Disability income protects your clients’ No. 1 asset—their INCOME. Imagine your client is sick or injured and unable to work…. how long could they pay their bills? Everything is at risk with a disability…. home, savings, retirement funds, and future financial security. Paycheck protection helps replace lost income and secures your client’s lifestyle. Assurity offers four different policies to choose from (not all policies are available in all states:

Income Protection Disability 

Income Protection is a guaranteed-renewable disability income insurance policy for individuals. It pays a weekly benefit while the insured is totally or partially disabled, following an elimination period and up to the maximum benefit period, subject to policy provisions. Coverage options are Accident and Sickness or Accident-Only. Weekly benefit amounts from $50 – $1,000 with a max benefit period from 13 weeks to 2 years.

Century+ Disability Income

Century+ Individual Disability Income Insurance is individual guaranteed-renewable disability income coverage. It’s ideal for individuals in the middle-income market and a variety of occupations including the self-employed. Standard issue limits of $8,000 – $20,000 and non-medical limits of $$1,500 – $5,000.

Business Overhead Expense Disability

Business Overhead Expense Disability Income Insurance pays for usual business operating expenses that are generally accepted as tax-deductible while the insured is totally disabled. Issue limits are the lesser of current monthly covered expenses or the following based on occupational class: 4A, 3A, 2A – $20,000; 1A – N/A. Benefit period choices are 1 year or 2 year and guaranteed renewable to age 65.

Graded Benefit Disability Income

This policy is individual guaranteed-renewable, impaired-risk disability income insurance with a traditional definition of disability and a reduced benefit amount for disabilities commencing in the first two policy years. Benefit periods are 2 years or 5 years for all classes and 10 years for classes 4A, 3A, and 2A. Policies are guaranteed renewable to age 65.