First Protective has recently facilitated the development of Disability Income (DI), Overhead Expense (OE), and DI Retirement Security Insurance Programs that will be offered to all our producers, meeting the criteria outlined below. These programs are for you to buy for yourself, not sell to your clients. Below is a brief summary of the program highlights.

· The DI, OE, and DI Retirement Security Insurance Programs offered are Individual, Guaranteed Renewable, Non‑Cancelable Policies, with the Your Occupation definition of disability to age 65 and up to $8,000 per month of Catastrophic Disability Benefit rider (CDB rider not available in CT). Insurance renewal income, 12b-1 fees, and wrap account fees that continue during a total disability will not reduce or limit total disability benefits.

· Premiums are discounted 25%, which makes it less expensive for you to buy the coverage through this program than it would be to buy a policy on yourself, net of after tax commissions. In addition to the premium discount, if you are a licensed life and health agent, 20% of the base first year commission will be paid to you by First Protective. The base first year commission is 40% of the annualized premium. You must submit a copy of your current state life and health license and a W-9 at the time of application to receive the commission.

· Up to $4,000 per month of DI coverage is modified guaranteed issue (MGI) for producers under age 50. For producers age 50 through 60, $3,000 per month of coverage is MGI. MGI means you will be accepted, regardless of your health, as long as you meet the MGI qualification requirements.

· Up to $5,000 per month of OE Insurance coverage, in addition to the DI coverage, is MGI for producers age 55 and under, as long as the MGI qualification requirements are met.

· Up to $4,125 per month of DI Retirement Security coverage may also be available MGI. This program allows you to buy up to $4,125 per month of benefit, in addition to the maximum DI benefit for which you qualify, to ensure retirement savings continue during periods of total disability.

· The MGI qualification requirements are: you must not have missed three consecutive days of work, been hospitalized or partially disabled in the six months prior to the date on your application, must not be currently collecting disability benefits, must not be homebound, and must meet the income requirements (you can enroll for less than the MGI maximum). There are three medical questions on the application that must be answered.

Disability Specialists, Inc. (DSI) is the program administrator and will manage the enrollment process. You will be contacted by one of DSI’s advisors and given a very brief overview of the DI, OE, and DI Retirement Security Insurance Programs. You have the option of enrolling in one or more of these programs.