High-Limit IDI

High-Limit Individual Disability Insurance

At International Disability Underwriters (IDU), we provide unique high Issue Limit disability plans for clients who cannot secure financial coverage with a traditional disability carrier. Most insurance companies limit the amount of monthly benefits, limit the age of issue, decline many health problems and only underwrite certain occupations. Let us show you how we think of DI risk Differently, by opening many opportunities for your clients to cover their income loss risk.

We think of disability Insurance Differently

We design our solutions Differently

We think of risk Differently

At IDU we think Differently

IDU can provide you with multiple DI quote options for your higher income clients.

Request a quote today or call us at 1-800-954-6182!

Client Situation

Michael, a Chief Executive Officer at a growing technology company, earning a salary of $895,000 + an annual bonus of $400,000. He is concerned his current disability insurance coverage is not enough. His group disability coverage is $15,000 per month and his individual coverage is $20,000 for a total of $35,000 per month. At the age of 45 the risk of Michael becoming disabled is only going up and he is looking for an additional disability insurance solution. Unfortunately, traditional companies refuse to issue him more coverage, based on their issue limitations.

IDU's Solution

At IDU, Michael was issued an additional $40,000 per month + a lump sum benefit of $2,000,000 effectively doubling his disability risk coverage.

We deliver personalized service with the products you need and underwriting expertise you want.

Our plans are uniquely designed for all occupational backgrounds.

IDU's High-Limit Disability Key Features

Aggregate limits of $50 million and higher
Coverage amounts up to 70% income replacement
Monthly Benefits up to $250K
Benefits structured as Monthly, Lump Sum or Combination Payouts
Policy Terms 1, 3, 5 & 10 years
Own Occupation Definition of Disability
Elimination Periods: 60, 90, 180, 365 days or longer
Monthly Benefit Periods: 12 to 120 months
Residual & COLA Riders
Flexible Premium Payment Options

Please send us your next High-Limit DI quote request at: prelims@iduinc.com

IDU, Inc.

Springfield | Miami | London

1-(800)-954-6182

www.iduinc.com