Sample Individual Disability Insurance Policies

A specimen policy is meant to allow consumers to review a particular insurance policy, in a generic form. An approved policy could include the wording that is found in a specimen policy. Ultimately, all disability insurance policies need to be underwritten. Through underwriting, an individual could find out that the insurance policy is unavailable or that the policy would be issued in a modified manner.

Sample Disability Insurance Specimen Policies Please note that policies vary by state. These specimen policies are meant to be educational in nature. If you have specific questions, please do not hesitate to ask. We can point you to the appropriate state specimen policy.

Each insurance company uses an occupational class rating system. It is possible that particular wording is available for one occupation with insurance company X, but not available for other occupations.

Take a moment to review the policy nuances that are seen in the specimen policies. One company defines “Residual Disability” as something that is similar, yet different, than how another company defines “Residual Disability”. Nuances are found across any and all policy provisions.

Disability Insurance Policy Provisions Explained

Specimen Disability Insurance Contracts

Ameritas – Cornerstone

Guardian – Provider Choice

Mass Mutual – Radius Choice

Principal – Income Protector

Standard – Platinum Advantage

Additional Carriers

Assurity Century+ Sample Disability Insurance Policy

Mutual of Omaha Sample Disability Insurance Policy

Lloyd’s of London

Illinois Mutual