June 5th, 2018

New Disability Income Underwriting Enhancements Available Now

New Disability Income Underwriting Enhancements Available Now

Government Employee Underwriting 

Assurity has modified its disability income underwriting guidelines for federal and state government employees.

  • The maximum issue limits by income will now apply to federal and state government employees who are age 55 and under.
  • Assurity will assume an existing employer-provided coverage offset of 40% for federal employees and 60% for state employees. (Other forms of existing coverage will also be an offset to the maximum limits.)
  • There is no limitation on length of federal or state service. 


Examples of New Eligibility Coverage

  Income Old Benefit
($1,000 base max)
New Benefit
(can be all base if 3A and 4A occupation classes)
Federal Employee $61,200 $2,800 $2,845
Federal Employee $108,000 $2,800 $3,970
Federal Employee $120,000 $2,800 $4,145
State Employee $84,000 $2,800 $2,000
State Employee $108,000 $2,800 $2,170


An update to the Life Portraits Illustration System occurred on May 22, 2018 for Century+ Disability Income and Graded Benefit Disability Income. If you use the desktop version of Life Portraits, please get this update by selecting System Update the next time you log on to the system. If you have any questions, please contact the new business contact center for Assurity Life Insurance Company at (800) 276-7619, Ext. 4264.

As committed experts in the disability insurance space, Assurity is here to help you get the most out of your current client portfolios and increase your revenue earned per client.

True Own Occupation Definition in a Disability Insurance Policy:
Is it Worth the Cost?
(Part 2: Physicians and Dentists)
True Own OCC  

The short answer for physicians and dentists is a qualified yes, in contrast to my short answer in Part I of this blog which was usually not.


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