This product is designed for professionals and small business owners in occupation classes 5A, 4A, 3A, 2A, A and B. It provides for reimbursement of covered expenses, up to policy limits, should the insured business owner incur a disabling accident or illness. Covered expenses include, but are not limited to:

• mortgage interest or lease payments
• employee wages (salaries, certain taxes, and benefits)
• utilities
• business fees
• business insurance premiums
• the salary of the person hired to perform the duties of the disabled owner (5A, 4A and 3A only)

Additional riders include:

• Future Purchase Option
• Residual Disability

Policy and rider provisions, and their availability, may vary by state. This information is intended only for the insurance producer and not for the general public. Policy Form No. B123

For more information on The Protector Series^SM, e-mail or call (800) 992-4446.