Critical Period Disability

Critical Period Disability insurance is a low cost alternative to traditional credit disability insurance. CPD is ideal for long-term and high amount loans where traditional coverage becomes cost prohibitive as well as a way to meet the needs of cost conscience customers.

By providing disability benefits for any 24 months during the term of the loan, Critical Period Disability gives your customers adequate protection in the event they become disabled. The length of coverage is long enough to allow for recovery and/or to make any lifestyle changes or asset adjustments. At the same time, by only covering the “critical period” the client saves money. Multiple periods of disability are allowed until the maximum benefit limit is reached.

Ensure your company and clients are adequately protected!

Our Critical Period Disability plan is underwritten by American Underwriters Life Insurance Company and Century Life Assurance Company.

* Some restrictions may apply.
** Not available in all states.