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Disability Insurance
Features of Disability Insurance
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[QUOTE="Nite, post: 171687, member: 28512"] The essential features of a best value disability insurance policy should have. [B][I]Guaranteed Renewable Option[/I][/B] It means an insurer cannot change or cancel a policy, as long as the premiums are being paid. However, the insurer has the right to increase the premium rates. [B][I]Return of Premium[/I][/B] If no claims are made within the specific period mentioned in the policy, then this feature will provide refund of a part of the premium amount. [B][I]Partial Disability Benefits[/I] [/B] The insured is allowed to work part time and recieve partial benefits, if he/she has become partially disabled, but are still able to work. [B][I]Additional Option for Purchase in Future[/I][/B] It guarantees right to purchase additional coverage only upto a specified age, without undergoing a medical underwriting again. [/QUOTE]
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