| Name |
Principal Fianancial Group |
Standard Life Insurance |
Metropolitan Life |
Mass Mutual Financial Group |
TMA Insurance Trust |
| Underwriter |
Principal |
Standard |
Metropolitan |
MassMutual |
Prudential |
| Eligibility |
MS III & MS IV |
MS III & MS IV |
MS III & MS IV |
MS IV |
MS III & MS IV |
| Premium |
Age dependent unisex rates. Female or male,
age 25. $25.32/mo. |
Age dependent unisex rates. Female or male,
age 25. $24.38/mo. |
Age dependent unisex rates, age 25. Female
$40.79. Male $28.71 |
$35.32/mo. 90-day waiting period Male or female |
Age Brackets Male or Female Under Age 30 $47.00/
quarterly Premium |
| Maximum Benefit Available |
$1500/mo. |
$2000/mo. |
$2000/mo. |
$1500/mo. |
$2000/mo. |
| Total Disability |
Unable to perform substantial material duties
of your occupation and not working. |
Unable to perform substantial material duties
of your occupation. Even if gainfully employed. |
Prevented from performing the material and
substantial duties of the insured's regular occupation and not
working. |
Unable to perform substantial and material
duties of your occupation and not working. |
Option 1 or 2 Year Own specialty plan Must
be unable to Perform duties of medical specialty. For first
2 years. Thereafter will receive total benefits if unable to
perform duties of any occupation. For which you are reasonably
suited by education and training. |
| Residual or Partial benefits |
Yes |
Yes |
Yes |
Yes |
Yes |
| Nervous/Mental, Drug, Alcohol, Abuse Claims |
Payable for full benefit period. |
Limited to 2 year benefit payment unless hospital
conined. |
Payable for full benefit period. |
Payable for 2 years with no aggregate lifetime
limit (isolated event) |
Limited to 2 years unless hospital confined. |
| Can Premiums or Policy Provisions Change |
No |
No |
No |
|
Yes-Premium rates are age bracketed and will
increas. |
| Contact |
T. Jeffrey Przybyla, CLU; Anne M. Day, RHU
Life Brokerage, Inc.
13101 N.W. Freeway Suite 230
Houston, Texas 77040
713-895-8181
800-338-7138
www.lifebrokerageinc.com |
jharrison@finsvcs.com
Jenya Harrison MassMutual Fin. Group 1980 Post Oak Blvd. Suite
1700 Houston, TX. 77056 713/968-6115 713/968-6180 |
Tommy.English@prudential.com
Tom B. English Prudential Financial 1233 W. Loop S., Ste 1100
Houston, TX 77027 (713)960-5081x6410 - office (832)722-5440
- cellular |
