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INSURANCE ADAPTED TO THE NEEDS OF YOUR CLIENTS
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Disability Insurance

Aurrea Signature offers disability insurance tailored to the needs of your clients.

  • Possibility of a guaranteed fixed premium until 65 years of age.
  • Contract is fully guaranteed, meaning that the definitions will never change.
  • Profession protection up to 65 years of age.
  • Guarantee of future insurability without proof of health.
  • Partial disability payable as of the start of a disability or following a total disability.
  • Cost of living increase to the disability payment, of 2% to 10% annually.
  • Retirement protection.
  • Protection in the event of an accident.
  • Premium refund options, from 75% every 10 years or possibility of a 100% refund at age 65.

Numbers that Speak Volumes

This is how much your client could lose should you suffer a disability before age 65, assuming a 5% annual increase in his income.

Age Annual income of $36,000 Annual income of $48,000
30 $3,251,531 $4,335,375
35 $2,391,799 $3,189,065
40 $1,718,176 $2,290,901
45 $1,190,374 $1,587,166
50 $776,828 $1,035,771
55 $452,804 $603,739

Out of 1,000 people, how many suffer a disability before 65 years of age?

Age and number Age and number
Age 25: 578 (3 out of 5) Age 40: 453 (4 out of 9)
Age 30: 541 (5 out of 9) Age 45: 396 (2 out of 5)
Age 35: 501 (1 out of 2) Age 50: 329 (1 out of 3)

Average length of a disability, over a period of 3 months or more:

Age and duration Age and duration
Age 25: 2.1 years Age 40: 3.1 years
Age 30: 2.5 years Age 45: 3.2 years
Age 35: 2.8 years Age 50: 3.1 years
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