Personal Income Protection

Introducing Provident's new flagship non-cancellable disability income policy. Cornerstone is flexible income protection with a unique emphasis on return to work benefits - at an affordable price.

It protects your clients with the Four R's of disability - common sense D.I. fundamentals that pay more when your client's need it most.

Replacement of Income -
If your client is disabled, Cornerstone pays a benefit proportional to income loss with replacement ratios up to 75% and a unique catastrophic benefit equal to 150% of the regular monthly benefit limit.

Recovery Benefit -
Even after recovery and return to full-time work in his or her own occupation, income may suffer as your client rebuilds sales or a client base. The Recovery Benefit extends benefits to help with this hurdle.

Return to Work Benefit -
If your client is unable to return to his or her previous occupation, but returns to a new occupation, the Return to Work Benefit provides an increased benefit to ease the transition.

Rehabilitation Benefit -
Your client's return to work may depend on a vocational rehabilitation program. Provident will pay the cost of a mutually agreeable, voluntary program which might include business and financial planning, career counseling and retraining, labor market surveys and job placement services.

Cornerstone's affordable price and comprehensive protection create an outstanding value, for a wide variety of occupations and income levels. This affordability was not achieved by stripping down traditional D.I. - intelligent coverage that goes straight to the problem, replacing income and actively helping the insured get back to work.

Cornerstone is Smart D.I. -

• Value Driven
       Quality design, affordable price.
• Non-Cancellable
       Guaranteed premiums, portable coverage.
• Replacement of Income
       Benefits proportional to actual loss.
• Catastrophic Benefit
       Higher benefit for severe disabilities.
• Back to Work Emphasis
       Voluntary rehabilitation, increased benefits.
• Flexible Design
       Innovative, client focused options.