10 Must-Know Facts About American Continental Insurance’s Disability Coverage

Are you considering American Continental Insurance’s disability coverage? It’s essential to have a comprehensive understanding of the policy before making a decision. In this article, we will explore ten must-know facts about American Continental Insurance’s disability coverage. By the end, you’ll have a clear picture of what this coverage entails and how it can benefit you.

Fact 1: Extensive Coverage Options

American Continental Insurance offers a range of disability coverage options to suit various needs. Whether you’re an individual looking for personal coverage or a business owner seeking coverage for your employees, American Continental Insurance has you covered. Their comprehensive plans ensure that you can find the right coverage to protect your income and financial stability in the event of a disability.

Fact 2: Customizable Policies

One of the key advantages of American Continental Insurance’s disability coverage is its flexibility. They understand that every individual’s needs are unique, which is why they offer customizable policies. You can tailor your coverage to match your specific requirements, ensuring that you have the right level of protection in place.

Fact 3: Competitive Premiums

When it comes to disability coverage, affordability is crucial. American Continental Insurance offers competitive premiums, making their policies accessible to a wide range of individuals. By choosing their disability coverage, you can protect yourself and your loved ones without breaking the bank.

Fact 4: Guaranteed Renewable Policies

American Continental Insurance’s disability coverage policies are guaranteed renewable. This means that as long as you pay your premiums, your coverage will remain in force. You won’t have to worry about losing your protection due to changes in your health or occupation.

Fact 5: Own Occupation Definition

American Continental Insurance’s disability coverage policies utilize an “own occupation” definition of disability. This means that if you are unable to perform the duties of your specific occupation due to a disability, you will be eligible for benefits. This definition provides greater clarity and ensures that you receive the coverage you need when you need it the most.

Fact 6: Partial Disability Benefits

In addition to providing coverage for total disability, American Continental Insurance’s policies also offer benefits for partial disability. If you are partially disabled and unable to perform some of your occupational duties, you may still be eligible for benefits. This feature provides additional financial support during your recovery process.

Fact 7: Rehabilitation Benefits

American Continental Insurance understands the importance of rehabilitation in the recovery process. Their disability coverage policies include rehabilitation benefits to help you get back on your feet. These benefits can cover expenses related to vocational training, physical therapy, and other necessary services to aid in your rehabilitation journey.

Fact 8: Non-Cancellable Policies

Another significant advantage of American Continental Insurance’s disability coverage is that their policies are non-cancellable. Once you are approved for coverage, the insurance company cannot cancel your policy or increase your premiums based on changes in your health or occupation. This provides peace of mind and long-term protection.

Fact 9: Additional Riders Available

American Continental Insurance offers additional riders that can enhance your disability coverage. These riders allow you to customize your policy even further, adding features such as cost-of-living adjustments, future purchase options, and more. Discussing these options with an American Continental Insurance representative can help you determine which riders are best suited to your needs.

Fact 10: Exceptional Customer Service

When it comes to insurance, having a reliable and responsive customer service team is essential. American Continental Insurance prides itself on providing exceptional customer service. Their knowledgeable representatives are available to answer any questions you may have and guide you through the process of obtaining disability coverage.

In conclusion, American Continental Insurance’s disability coverage offers extensive options, customizable policies, competitive premiums, and guaranteed renewable policies. With their “own occupation” definition of disability, partial disability benefits, and rehabilitation benefits, you can have peace of mind knowing that you are protected. Additionally, their non-cancellable policies, additional riders, and exceptional customer service make American Continental Insurance a top choice for disability coverage.