DISABILITY INCOME

Accidents are a part of life and can happen anytime, anywhere. Because the unexpected can happen, we have developed a plan to protect one's paycheck in the event of a disabling accident that puts an insured out of work.

Do you realize that:

• Disabilities can be more economically damaging than death?
  
  
• That 2,200 disabling injuries occur each hour?¹
  
  
• That every 10 minutes 370 individuals will suffer a disabling injury¹

¹ Source: Accident Facts, 1998 Edition, National Safety Coucil.

These figures vividly point out the necessity for a sound insurance program to protect a person's income. With this in mind, we have designed a voluntary accident disability insurance program. This plan is an excellent option for younger budget conscious consumers. Our rates for this coverage are considerably lower than the cost of insurance for an accident and sickness total disability plan. Our plan provides protection 24 hours a day -- worldwide -- on and off the job. Benefits are payable in addition to any other insurance you may have. You will be insured regardless of health history.

This is a guaranteed issue plan.