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Global 360 Disability Plus 

A cornerstone to protecting your family’s financial well-being by planning for unforeseen accidents. Policies that provide coverage for Accidental Death and Dismemberment (AD&D), Permanent Total Disability (PTD) and Temporary Total Disability (TTD) are vital pieces to a well-rounded insurance portfolio.

To save you time and money – and to help protect your financial future – you can now purchase a policy that combines the benefits of all three coverages AD&D, PTD and TTD.

AD&D, also known as Personal Accident insurance, offers a lump-sum cash payment in the event of a death caused by an accident.

In addition, the PTD benefit provides a full payment of the policy’s total face amount for covered injuries/illnesses. The PTD benefit is triggered if the insured no longer can perform his or her own occupation.

With advances in modern medicine, you are more likely to survive a serious accident than to die from it. For this reason, a PTD benefit provides a lump-sum payment to a person who suffers a disability or a physical dismemberment as a result of a covered accident or illness.

TTD, the third leg of the coverage, provides insurance in the event of an accident that prevents the insured from performing his or her own occupation during the Deferred Period before PTD coverage commences. (TTD also offers an illness rider.)

Disability Plus offers a high benefit level that can be up to 10 times salary with a $3 million maximum.

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